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$27,943
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,812
−HK$883/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,502
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,086
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,920
−HK$846/mo
Today · 4.125%
HK$32,766
baseline
▲ 0.50% · 4.625%
HK$34,493
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,532/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,532
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,575
−HK$1,059/mo
Today · 4.125%
HK$35,634
baseline
▲ 0.50% · 4.625%
HK$37,803
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,268/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,304
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,304
−HK$1,015/mo
Today · 4.125%
HK$39,319
baseline
▲ 0.50% · 4.625%
HK$41,392
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,638/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,120
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,337
−HK$1,236/mo
Today · 4.125%
HK$41,573
baseline
▲ 0.50% · 4.625%
HK$44,103
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,146/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,521
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,688
−HK$1,184/mo
Today · 4.125%
HK$45,872
baseline
▲ 0.50% · 4.625%
HK$48,290
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,744/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,298
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,862
−HK$1,590/mo
Today · 4.125%
HK$53,452
baseline
▲ 0.50% · 4.625%
HK$56,704
+HK$3,252/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,904/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,955
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,456
−HK$1,523/mo
Today · 4.125%
HK$58,979
baseline
▲ 0.50% · 4.625%
HK$62,087
+HK$3,108/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,958/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,539 · Scale 2, in force from 26 Feb 2026)