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$27,936
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,805
−HK$883/mo
Today · 4.125%
HK$29,688
baseline
▲ 0.50% · 4.625%
HK$31,494
+HK$1,806/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,376/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,078
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,912
−HK$846/mo
Today · 4.125%
HK$32,758
baseline
▲ 0.50% · 4.625%
HK$34,484
+HK$1,726/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,516/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,523
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,566
−HK$1,059/mo
Today · 4.125%
HK$35,625
baseline
▲ 0.50% · 4.625%
HK$37,793
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,250/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,294
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,294
−HK$1,015/mo
Today · 4.125%
HK$39,309
baseline
▲ 0.50% · 4.625%
HK$41,381
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,618/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,110
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,327
−HK$1,236/mo
Today · 4.125%
HK$41,563
baseline
▲ 0.50% · 4.625%
HK$44,092
+HK$2,529/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,126/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,510
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,677
−HK$1,184/mo
Today · 4.125%
HK$45,861
baseline
▲ 0.50% · 4.625%
HK$48,278
+HK$2,417/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,722/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,285
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,849
−HK$1,589/mo
Today · 4.125%
HK$53,438
baseline
▲ 0.50% · 4.625%
HK$56,690
+HK$3,252/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,876/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,941
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,442
−HK$1,522/mo
Today · 4.125%
HK$58,964
baseline
▲ 0.50% · 4.625%
HK$62,072
+HK$3,108/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,928/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,421 · Scale 2, in force from 26 Feb 2026)