The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$27,923
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$883/mo
Today · 4.125%
HK$29,674
baseline
▲ 0.50% · 4.625%
HK$31,479
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,348/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,064
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,897
−HK$845/mo
Today · 4.125%
HK$32,742
baseline
▲ 0.50% · 4.625%
HK$34,468
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,484/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,507
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,549
−HK$1,059/mo
Today · 4.125%
HK$35,608
baseline
▲ 0.50% · 4.625%
HK$37,775
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,216/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,276
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,276
−HK$1,014/mo
Today · 4.125%
HK$39,290
baseline
▲ 0.50% · 4.625%
HK$41,361
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,580/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,092
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,308
−HK$1,235/mo
Today · 4.125%
HK$41,543
baseline
▲ 0.50% · 4.625%
HK$44,071
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,086/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,489
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,655
−HK$1,184/mo
Today · 4.125%
HK$45,839
baseline
▲ 0.50% · 4.625%
HK$48,255
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,678/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,261
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,824
−HK$1,588/mo
Today · 4.125%
HK$53,412
baseline
▲ 0.50% · 4.625%
HK$56,662
+HK$3,250/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,824/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,914
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,414
−HK$1,521/mo
Today · 4.125%
HK$58,935
baseline
▲ 0.50% · 4.625%
HK$62,042
+HK$3,107/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,870/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,202 · Scale 2, in force from 26 Feb 2026)