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$27,907
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,775
−HK$882/mo
Today · 4.125%
HK$29,657
baseline
▲ 0.50% · 4.625%
HK$31,461
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,314/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,046
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,878
−HK$845/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,448
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,488
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,530
−HK$1,058/mo
Today · 4.125%
HK$35,588
baseline
▲ 0.50% · 4.625%
HK$37,753
+HK$2,165/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,176/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,255
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,254
−HK$1,014/mo
Today · 4.125%
HK$39,268
baseline
▲ 0.50% · 4.625%
HK$41,338
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,536/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,069
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,285
−HK$1,234/mo
Today · 4.125%
HK$41,519
baseline
▲ 0.50% · 4.625%
HK$44,046
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,038/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,464
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,630
−HK$1,182/mo
Today · 4.125%
HK$45,812
baseline
▲ 0.50% · 4.625%
HK$48,227
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,624/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,232
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,794
−HK$1,588/mo
Today · 4.125%
HK$53,382
baseline
▲ 0.50% · 4.625%
HK$56,630
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,764/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,883
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,381
−HK$1,521/mo
Today · 4.125%
HK$58,902
baseline
▲ 0.50% · 4.625%
HK$62,006
+HK$3,104/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,804/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,940 · Scale 2, in force from 26 Feb 2026)