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$27,902
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,770
−HK$881/mo
Today · 4.125%
HK$29,651
baseline
▲ 0.50% · 4.625%
HK$31,456
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,302/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,040
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,873
−HK$844/mo
Today · 4.125%
HK$32,717
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,434/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,482
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,524
−HK$1,058/mo
Today · 4.125%
HK$35,582
baseline
▲ 0.50% · 4.625%
HK$37,747
+HK$2,165/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,164/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,248
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,247
−HK$1,014/mo
Today · 4.125%
HK$39,261
baseline
▲ 0.50% · 4.625%
HK$41,330
+HK$2,069/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,522/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,062
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,277
−HK$1,235/mo
Today · 4.125%
HK$41,512
baseline
▲ 0.50% · 4.625%
HK$44,038
+HK$2,526/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,024/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,457
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,622
−HK$1,182/mo
Today · 4.125%
HK$45,804
baseline
▲ 0.50% · 4.625%
HK$48,219
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,608/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,223
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,785
−HK$1,587/mo
Today · 4.125%
HK$53,372
baseline
▲ 0.50% · 4.625%
HK$56,620
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,744/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,873
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,371
−HK$1,520/mo
Today · 4.125%
HK$58,891
baseline
▲ 0.50% · 4.625%
HK$61,996
+HK$3,105/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,782/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,858 · Scale 2, in force from 26 Feb 2026)