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$27,963
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,833
−HK$884/mo
Today · 4.125%
HK$29,717
baseline
▲ 0.50% · 4.625%
HK$31,525
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,434/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,109
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,943
−HK$847/mo
Today · 4.125%
HK$32,790
baseline
▲ 0.50% · 4.625%
HK$34,518
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,580/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,556
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,600
−HK$1,060/mo
Today · 4.125%
HK$35,660
baseline
▲ 0.50% · 4.625%
HK$37,830
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,320/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,331
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,332
−HK$1,016/mo
Today · 4.125%
HK$39,348
baseline
▲ 0.50% · 4.625%
HK$41,422
+HK$2,074/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,696/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,149
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,366
−HK$1,238/mo
Today · 4.125%
HK$41,604
baseline
▲ 0.50% · 4.625%
HK$44,135
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,208/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,553
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,721
−HK$1,185/mo
Today · 4.125%
HK$45,906
baseline
▲ 0.50% · 4.625%
HK$48,325
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,812/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,334
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,900
−HK$1,590/mo
Today · 4.125%
HK$53,490
baseline
▲ 0.50% · 4.625%
HK$56,745
+HK$3,255/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,980/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,996
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,498
−HK$1,523/mo
Today · 4.125%
HK$59,021
baseline
▲ 0.50% · 4.625%
HK$62,133
+HK$3,112/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,042/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,873 · Scale 2, in force from 26 Feb 2026)