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$27,926
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,795
−HK$882/mo
Today · 4.125%
HK$29,677
baseline
▲ 0.50% · 4.625%
HK$31,483
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,354/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,067
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,900
−HK$846/mo
Today · 4.125%
HK$32,746
baseline
▲ 0.50% · 4.625%
HK$34,472
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,492/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,511
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,553
−HK$1,060/mo
Today · 4.125%
HK$35,613
baseline
▲ 0.50% · 4.625%
HK$37,779
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,226/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,281
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,281
−HK$1,014/mo
Today · 4.125%
HK$39,295
baseline
▲ 0.50% · 4.625%
HK$41,366
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,590/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,096
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,312
−HK$1,236/mo
Today · 4.125%
HK$41,548
baseline
▲ 0.50% · 4.625%
HK$44,076
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,096/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,494
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,661
−HK$1,183/mo
Today · 4.125%
HK$45,844
baseline
▲ 0.50% · 4.625%
HK$48,261
+HK$2,417/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,688/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,267
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,830
−HK$1,589/mo
Today · 4.125%
HK$53,419
baseline
▲ 0.50% · 4.625%
HK$56,669
+HK$3,250/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,838/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,921
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,421
−HK$1,521/mo
Today · 4.125%
HK$58,942
baseline
▲ 0.50% · 4.625%
HK$62,049
+HK$3,107/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,884/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,257 · Scale 2, in force from 26 Feb 2026)