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$27,922
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,790
−HK$883/mo
Today · 4.125%
HK$29,673
baseline
▲ 0.50% · 4.625%
HK$31,478
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,346/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,063
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,896
−HK$845/mo
Today · 4.125%
HK$32,741
baseline
▲ 0.50% · 4.625%
HK$34,467
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,482/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,506
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,548
−HK$1,059/mo
Today · 4.125%
HK$35,607
baseline
▲ 0.50% · 4.625%
HK$37,774
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,214/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,275
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,275
−HK$1,014/mo
Today · 4.125%
HK$39,289
baseline
▲ 0.50% · 4.625%
HK$41,360
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,578/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,091
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,306
−HK$1,236/mo
Today · 4.125%
HK$41,542
baseline
▲ 0.50% · 4.625%
HK$44,070
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,084/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,488
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,654
−HK$1,183/mo
Today · 4.125%
HK$45,837
baseline
▲ 0.50% · 4.625%
HK$48,253
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,674/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,259
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,823
−HK$1,588/mo
Today · 4.125%
HK$53,411
baseline
▲ 0.50% · 4.625%
HK$56,661
+HK$3,250/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,822/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,913
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,412
−HK$1,522/mo
Today · 4.125%
HK$58,934
baseline
▲ 0.50% · 4.625%
HK$62,040
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,868/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,189 · Scale 2, in force from 26 Feb 2026)