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$27,905
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,773
−HK$882/mo
Today · 4.125%
HK$29,655
baseline
▲ 0.50% · 4.625%
HK$31,459
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,310/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,044
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,876
−HK$845/mo
Today · 4.125%
HK$32,721
baseline
▲ 0.50% · 4.625%
HK$34,446
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,442/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,486
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,527
−HK$1,059/mo
Today · 4.125%
HK$35,586
baseline
▲ 0.50% · 4.625%
HK$37,751
+HK$2,165/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,172/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,253
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,252
−HK$1,013/mo
Today · 4.125%
HK$39,265
baseline
▲ 0.50% · 4.625%
HK$41,335
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,530/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,067
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,282
−HK$1,234/mo
Today · 4.125%
HK$41,516
baseline
▲ 0.50% · 4.625%
HK$44,043
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,032/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,461
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,627
−HK$1,182/mo
Today · 4.125%
HK$45,809
baseline
▲ 0.50% · 4.625%
HK$48,224
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,618/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,229
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,791
−HK$1,587/mo
Today · 4.125%
HK$53,378
baseline
▲ 0.50% · 4.625%
HK$56,626
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,756/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,879
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,377
−HK$1,521/mo
Today · 4.125%
HK$58,898
baseline
▲ 0.50% · 4.625%
HK$62,002
+HK$3,104/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,796/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,909 · Scale 2, in force from 26 Feb 2026)