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$27,889
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,756
−HK$882/mo
Today · 4.125%
HK$29,638
baseline
▲ 0.50% · 4.625%
HK$31,441
+HK$1,803/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,276/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,026
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$844/mo
Today · 4.125%
HK$32,702
baseline
▲ 0.50% · 4.625%
HK$34,426
+HK$1,724/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,404/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,467
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,508
−HK$1,057/mo
Today · 4.125%
HK$35,565
baseline
▲ 0.50% · 4.625%
HK$37,729
+HK$2,164/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,130/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,231
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,230
−HK$1,013/mo
Today · 4.125%
HK$39,243
baseline
▲ 0.50% · 4.625%
HK$41,311
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,486/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,044
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,259
−HK$1,234/mo
Today · 4.125%
HK$41,493
baseline
▲ 0.50% · 4.625%
HK$44,018
+HK$2,525/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,986/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,437
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,601
−HK$1,182/mo
Today · 4.125%
HK$45,783
baseline
▲ 0.50% · 4.625%
HK$48,197
+HK$2,414/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,566/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,200
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,761
−HK$1,587/mo
Today · 4.125%
HK$53,348
baseline
▲ 0.50% · 4.625%
HK$56,594
+HK$3,246/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,696/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,847
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,345
−HK$1,519/mo
Today · 4.125%
HK$58,864
baseline
▲ 0.50% · 4.625%
HK$61,967
+HK$3,103/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,728/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,647 · Scale 2, in force from 26 Feb 2026)