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$27,959
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,829
−HK$883/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,520
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,424/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,104
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$847/mo
Today · 4.125%
HK$32,785
baseline
▲ 0.50% · 4.625%
HK$34,513
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,570/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,551
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,595
−HK$1,060/mo
Today · 4.125%
HK$35,655
baseline
▲ 0.50% · 4.625%
HK$37,824
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,310/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,325
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,326
−HK$1,016/mo
Today · 4.125%
HK$39,342
baseline
▲ 0.50% · 4.625%
HK$41,415
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,684/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,143
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,360
−HK$1,237/mo
Today · 4.125%
HK$41,597
baseline
▲ 0.50% · 4.625%
HK$44,129
+HK$2,532/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,194/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,546
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,714
−HK$1,185/mo
Today · 4.125%
HK$45,899
baseline
▲ 0.50% · 4.625%
HK$48,318
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,798/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,326
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,892
−HK$1,590/mo
Today · 4.125%
HK$53,482
baseline
▲ 0.50% · 4.625%
HK$56,737
+HK$3,255/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,964/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,988
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,489
−HK$1,524/mo
Today · 4.125%
HK$59,013
baseline
▲ 0.50% · 4.625%
HK$62,123
+HK$3,110/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,026/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,803 · Scale 2, in force from 26 Feb 2026)