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$28,036
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,908
−HK$886/mo
Today · 4.125%
HK$29,794
baseline
▲ 0.50% · 4.625%
HK$31,607
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,588/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,189
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,026
−HK$848/mo
Today · 4.125%
HK$32,874
baseline
▲ 0.50% · 4.625%
HK$34,607
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,748/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,643
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,689
−HK$1,063/mo
Today · 4.125%
HK$35,752
baseline
▲ 0.50% · 4.625%
HK$37,928
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,504/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,427
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,431
−HK$1,018/mo
Today · 4.125%
HK$39,449
baseline
▲ 0.50% · 4.625%
HK$41,529
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,898/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,250
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,471
−HK$1,240/mo
Today · 4.125%
HK$41,711
baseline
▲ 0.50% · 4.625%
HK$44,249
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,422/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,665
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,836
−HK$1,188/mo
Today · 4.125%
HK$46,024
baseline
▲ 0.50% · 4.625%
HK$48,450
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,048/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,464
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,034
−HK$1,595/mo
Today · 4.125%
HK$53,629
baseline
▲ 0.50% · 4.625%
HK$56,892
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,258/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,141
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,646
−HK$1,528/mo
Today · 4.125%
HK$59,174
baseline
▲ 0.50% · 4.625%
HK$62,293
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,348/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,060 · Scale 2, in force from 26 Feb 2026)