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$27,940
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,809
−HK$883/mo
Today · 4.125%
HK$29,692
baseline
▲ 0.50% · 4.625%
HK$31,498
+HK$1,806/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,384/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,083
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,916
−HK$846/mo
Today · 4.125%
HK$32,762
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,524/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,528
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,571
−HK$1,059/mo
Today · 4.125%
HK$35,630
baseline
▲ 0.50% · 4.625%
HK$37,798
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,260/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,299
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,299
−HK$1,015/mo
Today · 4.125%
HK$39,314
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,628/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,116
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,332
−HK$1,236/mo
Today · 4.125%
HK$41,568
baseline
▲ 0.50% · 4.625%
HK$44,098
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,136/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,516
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,683
−HK$1,184/mo
Today · 4.125%
HK$45,867
baseline
▲ 0.50% · 4.625%
HK$48,284
+HK$2,417/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,734/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,291
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,856
−HK$1,589/mo
Today · 4.125%
HK$53,445
baseline
▲ 0.50% · 4.625%
HK$56,697
+HK$3,252/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,890/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,949
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,449
−HK$1,522/mo
Today · 4.125%
HK$58,971
baseline
▲ 0.50% · 4.625%
HK$62,080
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,942/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,483 · Scale 2, in force from 26 Feb 2026)