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$27,966
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,835
−HK$884/mo
Today · 4.125%
HK$29,719
baseline
▲ 0.50% · 4.625%
HK$31,528
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,438/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,111
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,946
−HK$846/mo
Today · 4.125%
HK$32,792
baseline
▲ 0.50% · 4.625%
HK$34,521
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,584/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,559
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,603
−HK$1,060/mo
Today · 4.125%
HK$35,663
baseline
▲ 0.50% · 4.625%
HK$37,833
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,326/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,334
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,335
−HK$1,016/mo
Today · 4.125%
HK$39,351
baseline
▲ 0.50% · 4.625%
HK$41,425
+HK$2,074/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,702/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,152
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,370
−HK$1,237/mo
Today · 4.125%
HK$41,607
baseline
▲ 0.50% · 4.625%
HK$44,139
+HK$2,532/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,214/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,556
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,724
−HK$1,185/mo
Today · 4.125%
HK$45,909
baseline
▲ 0.50% · 4.625%
HK$48,329
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,818/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,338
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,904
−HK$1,591/mo
Today · 4.125%
HK$53,495
baseline
▲ 0.50% · 4.625%
HK$56,750
+HK$3,255/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,990/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,001
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,502
−HK$1,524/mo
Today · 4.125%
HK$59,026
baseline
▲ 0.50% · 4.625%
HK$62,137
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,052/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,909 · Scale 2, in force from 26 Feb 2026)