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$28,064
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,937
−HK$887/mo
Today · 4.125%
HK$29,824
baseline
▲ 0.50% · 4.625%
HK$31,639
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,648/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,221
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$849/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,643
+HK$1,735/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,816/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,725
−HK$1,064/mo
Today · 4.125%
HK$35,789
baseline
▲ 0.50% · 4.625%
HK$37,967
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,578/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,466
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,020/mo
Today · 4.125%
HK$39,490
baseline
▲ 0.50% · 4.625%
HK$41,571
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,980/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,290
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,242/mo
Today · 4.125%
HK$41,754
baseline
▲ 0.50% · 4.625%
HK$44,295
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,508/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,710
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,882
−HK$1,189/mo
Today · 4.125%
HK$46,071
baseline
▲ 0.50% · 4.625%
HK$48,500
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,142/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,516
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,087
−HK$1,597/mo
Today · 4.125%
HK$53,684
baseline
▲ 0.50% · 4.625%
HK$56,950
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,368/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,198
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,706
−HK$1,529/mo
Today · 4.125%
HK$59,235
baseline
▲ 0.50% · 4.625%
HK$62,357
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,470/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,533 · Scale 2, in force from 26 Feb 2026)