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$27,919
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,788
−HK$882/mo
Today · 4.125%
HK$29,670
baseline
▲ 0.50% · 4.625%
HK$31,476
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,340/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,060
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,893
−HK$845/mo
Today · 4.125%
HK$32,738
baseline
▲ 0.50% · 4.625%
HK$34,464
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,476/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,503
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,546
−HK$1,058/mo
Today · 4.125%
HK$35,604
baseline
▲ 0.50% · 4.625%
HK$37,771
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,208/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,272
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,272
−HK$1,014/mo
Today · 4.125%
HK$39,286
baseline
▲ 0.50% · 4.625%
HK$41,357
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,572/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,087
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,303
−HK$1,235/mo
Today · 4.125%
HK$41,538
baseline
▲ 0.50% · 4.625%
HK$44,066
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,076/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,484
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,650
−HK$1,183/mo
Today · 4.125%
HK$45,833
baseline
▲ 0.50% · 4.625%
HK$48,249
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,666/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,255
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,818
−HK$1,588/mo
Today · 4.125%
HK$53,406
baseline
▲ 0.50% · 4.625%
HK$56,656
+HK$3,250/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,812/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,908
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,408
−HK$1,521/mo
Today · 4.125%
HK$58,929
baseline
▲ 0.50% · 4.625%
HK$62,035
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,858/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,151 · Scale 2, in force from 26 Feb 2026)