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$27,919
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,787
−HK$882/mo
Today · 4.125%
HK$29,669
baseline
▲ 0.50% · 4.625%
HK$31,475
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,338/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,059
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,892
−HK$845/mo
Today · 4.125%
HK$32,737
baseline
▲ 0.50% · 4.625%
HK$34,463
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,474/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,502
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,545
−HK$1,058/mo
Today · 4.125%
HK$35,603
baseline
▲ 0.50% · 4.625%
HK$37,770
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,206/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,271
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,271
−HK$1,014/mo
Today · 4.125%
HK$39,285
baseline
▲ 0.50% · 4.625%
HK$41,356
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,570/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,086
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,302
−HK$1,235/mo
Today · 4.125%
HK$41,537
baseline
▲ 0.50% · 4.625%
HK$44,065
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,074/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,483
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,649
−HK$1,183/mo
Today · 4.125%
HK$45,832
baseline
▲ 0.50% · 4.625%
HK$48,248
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,664/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,254
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,817
−HK$1,588/mo
Today · 4.125%
HK$53,405
baseline
▲ 0.50% · 4.625%
HK$56,655
+HK$3,250/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,810/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,907
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,406
−HK$1,521/mo
Today · 4.125%
HK$58,927
baseline
▲ 0.50% · 4.625%
HK$62,033
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,854/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,139 · Scale 2, in force from 26 Feb 2026)