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$27,888
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,755
−HK$881/mo
Today · 4.125%
HK$29,636
baseline
▲ 0.50% · 4.625%
HK$31,440
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,272/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,025
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,857
−HK$844/mo
Today · 4.125%
HK$32,701
baseline
▲ 0.50% · 4.625%
HK$34,425
+HK$1,724/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,402/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,465
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,506
−HK$1,058/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$2,164/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,230
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,228
−HK$1,013/mo
Today · 4.125%
HK$39,241
baseline
▲ 0.50% · 4.625%
HK$41,310
+HK$2,069/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,482/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,043
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,257
−HK$1,234/mo
Today · 4.125%
HK$41,491
baseline
▲ 0.50% · 4.625%
HK$44,016
+HK$2,525/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,982/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,435
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,600
−HK$1,181/mo
Today · 4.125%
HK$45,781
baseline
▲ 0.50% · 4.625%
HK$48,194
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,562/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,198
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,759
−HK$1,587/mo
Today · 4.125%
HK$53,346
baseline
▲ 0.50% · 4.625%
HK$56,592
+HK$3,246/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,692/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,845
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,342
−HK$1,520/mo
Today · 4.125%
HK$58,862
baseline
▲ 0.50% · 4.625%
HK$61,964
+HK$3,102/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,724/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,628 · Scale 2, in force from 26 Feb 2026)