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$28,037
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,909
−HK$886/mo
Today · 4.125%
HK$29,795
baseline
▲ 0.50% · 4.625%
HK$31,608
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,590/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,191
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,027
−HK$849/mo
Today · 4.125%
HK$32,876
baseline
▲ 0.50% · 4.625%
HK$34,609
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,752/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,644
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,691
−HK$1,063/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,930
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,429
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,433
−HK$1,018/mo
Today · 4.125%
HK$39,451
baseline
▲ 0.50% · 4.625%
HK$41,531
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,902/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,252
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,473
−HK$1,240/mo
Today · 4.125%
HK$41,713
baseline
▲ 0.50% · 4.625%
HK$44,251
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,426/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,667
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,838
−HK$1,188/mo
Today · 4.125%
HK$46,026
baseline
▲ 0.50% · 4.625%
HK$48,453
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,052/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,467
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,036
−HK$1,595/mo
Today · 4.125%
HK$53,631
baseline
▲ 0.50% · 4.625%
HK$56,895
+HK$3,264/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,262/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,144
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,649
−HK$1,528/mo
Today · 4.125%
HK$59,177
baseline
▲ 0.50% · 4.625%
HK$62,296
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,354/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,084 · Scale 2, in force from 26 Feb 2026)