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$28,067
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,940
−HK$887/mo
Today · 4.125%
HK$29,827
baseline
▲ 0.50% · 4.625%
HK$31,642
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,654/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,225
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,062
−HK$850/mo
Today · 4.125%
HK$32,912
baseline
▲ 0.50% · 4.625%
HK$34,647
+HK$1,735/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,824/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,681
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,729
−HK$1,064/mo
Today · 4.125%
HK$35,793
baseline
▲ 0.50% · 4.625%
HK$37,971
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,586/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,470
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,475
−HK$1,019/mo
Today · 4.125%
HK$39,494
baseline
▲ 0.50% · 4.625%
HK$41,576
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$78,988/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,294
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,517
−HK$1,241/mo
Today · 4.125%
HK$41,758
baseline
▲ 0.50% · 4.625%
HK$44,299
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,516/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,715
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,887
−HK$1,189/mo
Today · 4.125%
HK$46,076
baseline
▲ 0.50% · 4.625%
HK$48,505
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,152/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,521
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,093
−HK$1,596/mo
Today · 4.125%
HK$53,689
baseline
▲ 0.50% · 4.625%
HK$56,956
+HK$3,267/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,378/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,205
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,712
−HK$1,529/mo
Today · 4.125%
HK$59,241
baseline
▲ 0.50% · 4.625%
HK$62,364
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,482/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,584 · Scale 2, in force from 26 Feb 2026)