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$27,941
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,810
−HK$883/mo
Today · 4.125%
HK$29,693
baseline
▲ 0.50% · 4.625%
HK$31,500
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,386/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,084
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,918
−HK$845/mo
Today · 4.125%
HK$32,763
baseline
▲ 0.50% · 4.625%
HK$34,490
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,526/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,529
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$1,060/mo
Today · 4.125%
HK$35,632
baseline
▲ 0.50% · 4.625%
HK$37,800
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,264/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,301
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,015/mo
Today · 4.125%
HK$39,316
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,632/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,117
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,236/mo
Today · 4.125%
HK$41,570
baseline
▲ 0.50% · 4.625%
HK$44,100
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,140/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,517
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,685
−HK$1,184/mo
Today · 4.125%
HK$45,869
baseline
▲ 0.50% · 4.625%
HK$48,286
+HK$2,417/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,738/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,294
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,858
−HK$1,589/mo
Today · 4.125%
HK$53,447
baseline
▲ 0.50% · 4.625%
HK$56,700
+HK$3,253/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,894/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,951
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,452
−HK$1,522/mo
Today · 4.125%
HK$58,974
baseline
▲ 0.50% · 4.625%
HK$62,083
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,948/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,502 · Scale 2, in force from 26 Feb 2026)