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$28,054
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,927
−HK$887/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,628
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,210
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,047
−HK$849/mo
Today · 4.125%
HK$32,896
baseline
▲ 0.50% · 4.625%
HK$34,630
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,792/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,665
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,712
−HK$1,064/mo
Today · 4.125%
HK$35,776
baseline
▲ 0.50% · 4.625%
HK$37,953
+HK$2,177/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,552/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,452
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,457
−HK$1,019/mo
Today · 4.125%
HK$39,476
baseline
▲ 0.50% · 4.625%
HK$41,556
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,952/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,276
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,498
−HK$1,241/mo
Today · 4.125%
HK$41,739
baseline
▲ 0.50% · 4.625%
HK$44,279
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,478/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,694
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,866
−HK$1,189/mo
Today · 4.125%
HK$46,055
baseline
▲ 0.50% · 4.625%
HK$48,482
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,110/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,498
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,068
−HK$1,596/mo
Today · 4.125%
HK$53,664
baseline
▲ 0.50% · 4.625%
HK$56,930
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,328/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,178
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,685
−HK$1,528/mo
Today · 4.125%
HK$59,213
baseline
▲ 0.50% · 4.625%
HK$62,335
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,426/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,368 · Scale 2, in force from 26 Feb 2026)