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$27,932
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,801
−HK$883/mo
Today · 4.125%
HK$29,684
baseline
▲ 0.50% · 4.625%
HK$31,490
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,368/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,074
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,907
−HK$846/mo
Today · 4.125%
HK$32,753
baseline
▲ 0.50% · 4.625%
HK$34,479
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,506/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,518
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,561
−HK$1,059/mo
Today · 4.125%
HK$35,620
baseline
▲ 0.50% · 4.625%
HK$37,788
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,240/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,289
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,289
−HK$1,015/mo
Today · 4.125%
HK$39,304
baseline
▲ 0.50% · 4.625%
HK$41,375
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,608/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,105
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,321
−HK$1,236/mo
Today · 4.125%
HK$41,557
baseline
▲ 0.50% · 4.625%
HK$44,086
+HK$2,529/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,114/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,504
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,670
−HK$1,184/mo
Today · 4.125%
HK$45,854
baseline
▲ 0.50% · 4.625%
HK$48,271
+HK$2,417/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,708/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,278
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,842
−HK$1,588/mo
Today · 4.125%
HK$53,430
baseline
▲ 0.50% · 4.625%
HK$56,682
+HK$3,252/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,860/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,933
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,433
−HK$1,522/mo
Today · 4.125%
HK$58,955
baseline
▲ 0.50% · 4.625%
HK$62,063
+HK$3,108/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,910/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,357 · Scale 2, in force from 26 Feb 2026)