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$28,068
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,941
−HK$887/mo
Today · 4.125%
HK$29,828
baseline
▲ 0.50% · 4.625%
HK$31,643
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,656/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,225
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,063
−HK$849/mo
Today · 4.125%
HK$32,912
baseline
▲ 0.50% · 4.625%
HK$34,647
+HK$1,735/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,824/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,682
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,729
−HK$1,065/mo
Today · 4.125%
HK$35,794
baseline
▲ 0.50% · 4.625%
HK$37,972
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$71,588/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,471
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,475
−HK$1,020/mo
Today · 4.125%
HK$39,495
baseline
▲ 0.50% · 4.625%
HK$41,577
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.39M · min. income ≈ HK$78,990/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$461,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,295
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,518
−HK$1,241/mo
Today · 4.125%
HK$41,759
baseline
▲ 0.50% · 4.625%
HK$44,300
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,518/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,716
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,888
−HK$1,189/mo
Today · 4.125%
HK$46,077
baseline
▲ 0.50% · 4.625%
HK$48,506
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,154/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,523
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,094
−HK$1,597/mo
Today · 4.125%
HK$53,691
baseline
▲ 0.50% · 4.625%
HK$56,958
+HK$3,267/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,382/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,206
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,713
−HK$1,529/mo
Today · 4.125%
HK$59,242
baseline
▲ 0.50% · 4.625%
HK$62,365
+HK$3,123/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,484/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,594 · Scale 2, in force from 26 Feb 2026)