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$27,946
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,815
−HK$883/mo
Today · 4.125%
HK$29,698
baseline
▲ 0.50% · 4.625%
HK$31,505
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,396/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,089
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,923
−HK$846/mo
Today · 4.125%
HK$32,769
baseline
▲ 0.50% · 4.625%
HK$34,496
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,538/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,535
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,578
−HK$1,060/mo
Today · 4.125%
HK$35,638
baseline
▲ 0.50% · 4.625%
HK$37,806
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,276/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,307
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,308
−HK$1,015/mo
Today · 4.125%
HK$39,323
baseline
▲ 0.50% · 4.625%
HK$41,395
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,646/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,124
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,341
−HK$1,236/mo
Today · 4.125%
HK$41,577
baseline
▲ 0.50% · 4.625%
HK$44,107
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,154/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,525
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,692
−HK$1,184/mo
Today · 4.125%
HK$45,876
baseline
▲ 0.50% · 4.625%
HK$48,295
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,752/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,302
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,867
−HK$1,590/mo
Today · 4.125%
HK$53,457
baseline
▲ 0.50% · 4.625%
HK$56,709
+HK$3,252/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,914/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,961
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,461
−HK$1,523/mo
Today · 4.125%
HK$58,984
baseline
▲ 0.50% · 4.625%
HK$62,093
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,968/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,581 · Scale 2, in force from 26 Feb 2026)