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$27,893
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$881/mo
Today · 4.125%
HK$29,642
baseline
▲ 0.50% · 4.625%
HK$31,446
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,284/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,031
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,863
−HK$844/mo
Today · 4.125%
HK$32,707
baseline
▲ 0.50% · 4.625%
HK$34,431
+HK$1,724/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,414/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,472
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,513
−HK$1,058/mo
Today · 4.125%
HK$35,571
baseline
▲ 0.50% · 4.625%
HK$37,735
+HK$2,164/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,142/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,237
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,236
−HK$1,013/mo
Today · 4.125%
HK$39,249
baseline
▲ 0.50% · 4.625%
HK$41,318
+HK$2,069/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,498/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,050
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,265
−HK$1,234/mo
Today · 4.125%
HK$41,499
baseline
▲ 0.50% · 4.625%
HK$44,024
+HK$2,525/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,998/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,443
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,608
−HK$1,182/mo
Today · 4.125%
HK$45,790
baseline
▲ 0.50% · 4.625%
HK$48,204
+HK$2,414/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,580/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,207
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,769
−HK$1,587/mo
Today · 4.125%
HK$53,356
baseline
▲ 0.50% · 4.625%
HK$56,603
+HK$3,247/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,712/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,855
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,353
−HK$1,520/mo
Today · 4.125%
HK$58,873
baseline
▲ 0.50% · 4.625%
HK$61,976
+HK$3,103/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,746/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,716 · Scale 2, in force from 26 Feb 2026)