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$27,953
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,823
−HK$883/mo
Today · 4.125%
HK$29,706
baseline
▲ 0.50% · 4.625%
HK$31,514
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,412/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,098
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,932
−HK$846/mo
Today · 4.125%
HK$32,778
baseline
▲ 0.50% · 4.625%
HK$34,506
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,556/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,544
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,587
−HK$1,060/mo
Today · 4.125%
HK$35,647
baseline
▲ 0.50% · 4.625%
HK$37,816
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,294/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,317
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,318
−HK$1,015/mo
Today · 4.125%
HK$39,333
baseline
▲ 0.50% · 4.625%
HK$41,407
+HK$2,074/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,666/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,135
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,352
−HK$1,237/mo
Today · 4.125%
HK$41,589
baseline
▲ 0.50% · 4.625%
HK$44,119
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,178/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,537
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,704
−HK$1,185/mo
Today · 4.125%
HK$45,889
baseline
▲ 0.50% · 4.625%
HK$48,308
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,778/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,316
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,881
−HK$1,590/mo
Today · 4.125%
HK$53,471
baseline
▲ 0.50% · 4.625%
HK$56,725
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,942/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,976
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,477
−HK$1,523/mo
Today · 4.125%
HK$59,000
baseline
▲ 0.50% · 4.625%
HK$62,110
+HK$3,110/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$118,000/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,706 · Scale 2, in force from 26 Feb 2026)