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$27,897
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,765
−HK$881/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,450
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,867
−HK$845/mo
Today · 4.125%
HK$32,712
baseline
▲ 0.50% · 4.625%
HK$34,436
+HK$1,724/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,424/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,476
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,518
−HK$1,058/mo
Today · 4.125%
HK$35,576
baseline
▲ 0.50% · 4.625%
HK$37,740
+HK$2,164/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,152/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,242
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,241
−HK$1,013/mo
Today · 4.125%
HK$39,254
baseline
▲ 0.50% · 4.625%
HK$41,323
+HK$2,069/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,508/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,056
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,271
−HK$1,234/mo
Today · 4.125%
HK$41,505
baseline
▲ 0.50% · 4.625%
HK$44,030
+HK$2,525/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$83,010/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,449
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,614
−HK$1,182/mo
Today · 4.125%
HK$45,796
baseline
▲ 0.50% · 4.625%
HK$48,210
+HK$2,414/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,592/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,214
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,776
−HK$1,587/mo
Today · 4.125%
HK$53,363
baseline
▲ 0.50% · 4.625%
HK$56,610
+HK$3,247/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,726/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,863
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,361
−HK$1,520/mo
Today · 4.125%
HK$58,881
baseline
▲ 0.50% · 4.625%
HK$61,985
+HK$3,104/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,762/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,780 · Scale 2, in force from 26 Feb 2026)