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$27,909
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,778
−HK$882/mo
Today · 4.125%
HK$29,660
baseline
▲ 0.50% · 4.625%
HK$31,464
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,320/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,049
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,882
−HK$844/mo
Today · 4.125%
HK$32,726
baseline
▲ 0.50% · 4.625%
HK$34,452
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,452/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,491
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,533
−HK$1,059/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,757
+HK$2,165/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,184/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,259
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,258
−HK$1,014/mo
Today · 4.125%
HK$39,272
baseline
▲ 0.50% · 4.625%
HK$41,342
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,544/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,073
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,289
−HK$1,234/mo
Today · 4.125%
HK$41,523
baseline
▲ 0.50% · 4.625%
HK$44,050
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,046/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,469
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,634
−HK$1,183/mo
Today · 4.125%
HK$45,817
baseline
▲ 0.50% · 4.625%
HK$48,232
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,634/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,237
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,800
−HK$1,587/mo
Today · 4.125%
HK$53,387
baseline
▲ 0.50% · 4.625%
HK$56,636
+HK$3,249/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,774/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,888
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,387
−HK$1,521/mo
Today · 4.125%
HK$58,908
baseline
▲ 0.50% · 4.625%
HK$62,013
+HK$3,105/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,816/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,986 · Scale 2, in force from 26 Feb 2026)