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$28,050
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,923
−HK$886/mo
Today · 4.125%
HK$29,809
baseline
▲ 0.50% · 4.625%
HK$31,623
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,618/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,206
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,043
−HK$849/mo
Today · 4.125%
HK$32,892
baseline
▲ 0.50% · 4.625%
HK$34,625
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,784/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,660
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,707
−HK$1,064/mo
Today · 4.125%
HK$35,771
baseline
▲ 0.50% · 4.625%
HK$37,948
+HK$2,177/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,542/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,447
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,451
−HK$1,019/mo
Today · 4.125%
HK$39,470
baseline
▲ 0.50% · 4.625%
HK$41,550
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,940/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,270
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,492
−HK$1,241/mo
Today · 4.125%
HK$41,733
baseline
▲ 0.50% · 4.625%
HK$44,272
+HK$2,539/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,466/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,688
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,860
−HK$1,188/mo
Today · 4.125%
HK$46,048
baseline
▲ 0.50% · 4.625%
HK$48,475
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,096/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,490
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,061
−HK$1,596/mo
Today · 4.125%
HK$53,657
baseline
▲ 0.50% · 4.625%
HK$56,921
+HK$3,264/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,314/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,170
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,677
−HK$1,528/mo
Today · 4.125%
HK$59,205
baseline
▲ 0.50% · 4.625%
HK$62,326
+HK$3,121/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,410/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,301 · Scale 2, in force from 26 Feb 2026)