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$27,952
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,822
−HK$883/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,513
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,097
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,931
−HK$846/mo
Today · 4.125%
HK$32,777
baseline
▲ 0.50% · 4.625%
HK$34,504
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,554/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,543
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,586
−HK$1,060/mo
Today · 4.125%
HK$35,646
baseline
▲ 0.50% · 4.625%
HK$37,815
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,292/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,316
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,317
−HK$1,015/mo
Today · 4.125%
HK$39,332
baseline
▲ 0.50% · 4.625%
HK$41,405
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,664/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,133
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,350
−HK$1,237/mo
Today · 4.125%
HK$41,587
baseline
▲ 0.50% · 4.625%
HK$44,118
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,174/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,535
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,703
−HK$1,184/mo
Today · 4.125%
HK$45,887
baseline
▲ 0.50% · 4.625%
HK$48,306
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,774/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,314
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,879
−HK$1,590/mo
Today · 4.125%
HK$53,469
baseline
▲ 0.50% · 4.625%
HK$56,723
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,938/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,974
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,475
−HK$1,523/mo
Today · 4.125%
HK$58,998
baseline
▲ 0.50% · 4.625%
HK$62,108
+HK$3,110/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,996/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,689 · Scale 2, in force from 26 Feb 2026)