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$28,053
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,926
−HK$887/mo
Today · 4.125%
HK$29,813
baseline
▲ 0.50% · 4.625%
HK$31,627
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,626/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,209
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,046
−HK$849/mo
Today · 4.125%
HK$32,895
baseline
▲ 0.50% · 4.625%
HK$34,629
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,790/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,664
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,711
−HK$1,064/mo
Today · 4.125%
HK$35,775
baseline
▲ 0.50% · 4.625%
HK$37,952
+HK$2,177/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,550/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,451
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,455
−HK$1,019/mo
Today · 4.125%
HK$39,474
baseline
▲ 0.50% · 4.625%
HK$41,555
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,948/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,275
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,496
−HK$1,242/mo
Today · 4.125%
HK$41,738
baseline
▲ 0.50% · 4.625%
HK$44,277
+HK$2,539/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,476/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,693
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,865
−HK$1,188/mo
Today · 4.125%
HK$46,053
baseline
▲ 0.50% · 4.625%
HK$48,481
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,106/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,496
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,067
−HK$1,596/mo
Today · 4.125%
HK$53,663
baseline
▲ 0.50% · 4.625%
HK$56,928
+HK$3,265/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,326/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,176
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,683
−HK$1,528/mo
Today · 4.125%
HK$59,211
baseline
▲ 0.50% · 4.625%
HK$62,333
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,422/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,353 · Scale 2, in force from 26 Feb 2026)