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$27,956
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,826
−HK$883/mo
Today · 4.125%
HK$29,709
baseline
▲ 0.50% · 4.625%
HK$31,517
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,418/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,101
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,935
−HK$846/mo
Today · 4.125%
HK$32,781
baseline
▲ 0.50% · 4.625%
HK$34,509
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,562/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,547
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,591
−HK$1,060/mo
Today · 4.125%
HK$35,651
baseline
▲ 0.50% · 4.625%
HK$37,820
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,302/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,321
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,322
−HK$1,015/mo
Today · 4.125%
HK$39,337
baseline
▲ 0.50% · 4.625%
HK$41,411
+HK$2,074/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,674/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,139
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,356
−HK$1,237/mo
Today · 4.125%
HK$41,593
baseline
▲ 0.50% · 4.625%
HK$44,124
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,186/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,541
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,709
−HK$1,185/mo
Today · 4.125%
HK$45,894
baseline
▲ 0.50% · 4.625%
HK$48,313
+HK$2,419/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,788/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,321
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,886
−HK$1,591/mo
Today · 4.125%
HK$53,477
baseline
▲ 0.50% · 4.625%
HK$56,731
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,954/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,982
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,483
−HK$1,523/mo
Today · 4.125%
HK$59,006
baseline
▲ 0.50% · 4.625%
HK$62,116
+HK$3,110/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$118,012/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,754 · Scale 2, in force from 26 Feb 2026)