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$27,968
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,838
−HK$884/mo
Today · 4.125%
HK$29,722
baseline
▲ 0.50% · 4.625%
HK$31,530
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,444/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,114
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,949
−HK$846/mo
Today · 4.125%
HK$32,795
baseline
▲ 0.50% · 4.625%
HK$34,524
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,590/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,562
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,606
−HK$1,060/mo
Today · 4.125%
HK$35,666
baseline
▲ 0.50% · 4.625%
HK$37,837
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,332/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,337
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,338
−HK$1,016/mo
Today · 4.125%
HK$39,354
baseline
▲ 0.50% · 4.625%
HK$41,429
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,708/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,155
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,373
−HK$1,238/mo
Today · 4.125%
HK$41,611
baseline
▲ 0.50% · 4.625%
HK$44,143
+HK$2,532/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,222/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,560
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,728
−HK$1,185/mo
Today · 4.125%
HK$45,913
baseline
▲ 0.50% · 4.625%
HK$48,333
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,826/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,343
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,908
−HK$1,591/mo
Today · 4.125%
HK$53,499
baseline
▲ 0.50% · 4.625%
HK$56,755
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,998/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,006
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,508
−HK$1,523/mo
Today · 4.125%
HK$59,031
baseline
▲ 0.50% · 4.625%
HK$62,143
+HK$3,112/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,062/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,950 · Scale 2, in force from 26 Feb 2026)