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$27,935
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$883/mo
Today · 4.125%
HK$29,686
baseline
▲ 0.50% · 4.625%
HK$31,493
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,372/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,077
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,910
−HK$846/mo
Today · 4.125%
HK$32,756
baseline
▲ 0.50% · 4.625%
HK$34,482
+HK$1,726/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,512/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,521
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,564
−HK$1,060/mo
Today · 4.125%
HK$35,624
baseline
▲ 0.50% · 4.625%
HK$37,791
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,248/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,292
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,292
−HK$1,015/mo
Today · 4.125%
HK$39,307
baseline
▲ 0.50% · 4.625%
HK$41,379
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,614/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,108
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,325
−HK$1,236/mo
Today · 4.125%
HK$41,561
baseline
▲ 0.50% · 4.625%
HK$44,090
+HK$2,529/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,122/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,508
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,674
−HK$1,184/mo
Today · 4.125%
HK$45,858
baseline
▲ 0.50% · 4.625%
HK$48,275
+HK$2,417/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,716/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,282
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,846
−HK$1,589/mo
Today · 4.125%
HK$53,435
baseline
▲ 0.50% · 4.625%
HK$56,687
+HK$3,252/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,870/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,938
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,439
−HK$1,522/mo
Today · 4.125%
HK$58,961
baseline
▲ 0.50% · 4.625%
HK$62,068
+HK$3,107/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,922/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,398 · Scale 2, in force from 26 Feb 2026)