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$28,049
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,922
−HK$886/mo
Today · 4.125%
HK$29,808
baseline
▲ 0.50% · 4.625%
HK$31,622
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,616/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,204
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,041
−HK$849/mo
Today · 4.125%
HK$32,890
baseline
▲ 0.50% · 4.625%
HK$34,624
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,780/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,659
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,706
−HK$1,064/mo
Today · 4.125%
HK$35,770
baseline
▲ 0.50% · 4.625%
HK$37,946
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,540/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,450
−HK$1,018/mo
Today · 4.125%
HK$39,468
baseline
▲ 0.50% · 4.625%
HK$41,549
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,936/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,269
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,490
−HK$1,241/mo
Today · 4.125%
HK$41,731
baseline
▲ 0.50% · 4.625%
HK$44,271
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,462/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,686
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,858
−HK$1,188/mo
Today · 4.125%
HK$46,046
baseline
▲ 0.50% · 4.625%
HK$48,474
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,092/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,488
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,059
−HK$1,596/mo
Today · 4.125%
HK$53,655
baseline
▲ 0.50% · 4.625%
HK$56,919
+HK$3,264/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,310/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,168
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,674
−HK$1,528/mo
Today · 4.125%
HK$59,202
baseline
▲ 0.50% · 4.625%
HK$62,323
+HK$3,121/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,404/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,283 · Scale 2, in force from 26 Feb 2026)