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$27,925
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,793
−HK$883/mo
Today · 4.125%
HK$29,676
baseline
▲ 0.50% · 4.625%
HK$31,482
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,352/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,066
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,899
−HK$846/mo
Today · 4.125%
HK$32,745
baseline
▲ 0.50% · 4.625%
HK$34,471
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,490/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,510
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,552
−HK$1,059/mo
Today · 4.125%
HK$35,611
baseline
▲ 0.50% · 4.625%
HK$37,778
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,222/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,279
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,279
−HK$1,014/mo
Today · 4.125%
HK$39,293
baseline
▲ 0.50% · 4.625%
HK$41,365
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,586/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,095
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,311
−HK$1,235/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$44,074
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,493
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,659
−HK$1,183/mo
Today · 4.125%
HK$45,842
baseline
▲ 0.50% · 4.625%
HK$48,259
+HK$2,417/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,684/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,265
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,828
−HK$1,589/mo
Today · 4.125%
HK$53,417
baseline
▲ 0.50% · 4.625%
HK$56,667
+HK$3,250/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,834/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,919
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,419
−HK$1,521/mo
Today · 4.125%
HK$58,940
baseline
▲ 0.50% · 4.625%
HK$62,047
+HK$3,107/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,880/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,239 · Scale 2, in force from 26 Feb 2026)