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$27,908
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,776
−HK$882/mo
Today · 4.125%
HK$29,658
baseline
▲ 0.50% · 4.625%
HK$31,462
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,316/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,047
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,880
−HK$845/mo
Today · 4.125%
HK$32,725
baseline
▲ 0.50% · 4.625%
HK$34,450
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,450/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,489
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,531
−HK$1,058/mo
Today · 4.125%
HK$35,589
baseline
▲ 0.50% · 4.625%
HK$37,755
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,178/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,257
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,256
−HK$1,013/mo
Today · 4.125%
HK$39,269
baseline
▲ 0.50% · 4.625%
HK$41,339
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,538/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,071
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,286
−HK$1,235/mo
Today · 4.125%
HK$41,521
baseline
▲ 0.50% · 4.625%
HK$44,047
+HK$2,526/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,042/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,466
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,632
−HK$1,182/mo
Today · 4.125%
HK$45,814
baseline
▲ 0.50% · 4.625%
HK$48,229
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,628/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,234
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,797
−HK$1,587/mo
Today · 4.125%
HK$53,384
baseline
▲ 0.50% · 4.625%
HK$56,632
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,768/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,885
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,384
−HK$1,520/mo
Today · 4.125%
HK$58,904
baseline
▲ 0.50% · 4.625%
HK$62,009
+HK$3,105/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,808/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,959 · Scale 2, in force from 26 Feb 2026)