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$27,927
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,795
−HK$883/mo
Today · 4.125%
HK$29,678
baseline
▲ 0.50% · 4.625%
HK$31,484
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,356/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,068
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,901
−HK$846/mo
Today · 4.125%
HK$32,747
baseline
▲ 0.50% · 4.625%
HK$34,473
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,494/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,512
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,554
−HK$1,060/mo
Today · 4.125%
HK$35,614
baseline
▲ 0.50% · 4.625%
HK$37,780
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,228/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,282
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,282
−HK$1,014/mo
Today · 4.125%
HK$39,296
baseline
▲ 0.50% · 4.625%
HK$41,367
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,592/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,097
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,313
−HK$1,236/mo
Today · 4.125%
HK$41,549
baseline
▲ 0.50% · 4.625%
HK$44,077
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,098/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,495
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,662
−HK$1,183/mo
Today · 4.125%
HK$45,845
baseline
▲ 0.50% · 4.625%
HK$48,262
+HK$2,417/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,690/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,268
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,832
−HK$1,588/mo
Today · 4.125%
HK$53,420
baseline
▲ 0.50% · 4.625%
HK$56,671
+HK$3,251/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,840/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,923
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,422
−HK$1,522/mo
Today · 4.125%
HK$58,944
baseline
▲ 0.50% · 4.625%
HK$62,051
+HK$3,107/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,888/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,269 · Scale 2, in force from 26 Feb 2026)