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$1,750/mo
▼ 0.25% · 3.875%
HK$28,761
−HK$882/mo
Today · 4.125%
HK$29,643
baseline
▲ 0.50% · 4.625%
HK$31,446
+HK$1,803/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,286/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,031
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,863
−HK$845/mo
Today · 4.125%
HK$32,708
baseline
▲ 0.50% · 4.625%
HK$34,432
+HK$1,724/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,416/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,722 · 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$458,722 · 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$458,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,051
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,265
−HK$1,235/mo
Today · 4.125%
HK$41,500
baseline
▲ 0.50% · 4.625%
HK$44,025
+HK$2,525/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$83,000/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,444
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,609
−HK$1,182/mo
Today · 4.125%
HK$45,791
baseline
▲ 0.50% · 4.625%
HK$48,204
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,582/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,208
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,770
−HK$1,587/mo
Today · 4.125%
HK$53,357
baseline
▲ 0.50% · 4.625%
HK$56,603
+HK$3,246/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,714/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,856
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,354
−HK$1,520/mo
Today · 4.125%
HK$58,874
baseline
▲ 0.50% · 4.625%
HK$61,977
+HK$3,103/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,748/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,722 · Scale 2, in force from 26 Feb 2026)