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$28,061
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,933
−HK$887/mo
Today · 4.125%
HK$29,820
baseline
▲ 0.50% · 4.625%
HK$31,635
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,640/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,217
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,054
−HK$850/mo
Today · 4.125%
HK$32,904
baseline
▲ 0.50% · 4.625%
HK$34,638
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,808/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,673
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,720
−HK$1,064/mo
Today · 4.125%
HK$35,784
baseline
▲ 0.50% · 4.625%
HK$37,962
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,568/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,461
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,465
−HK$1,019/mo
Today · 4.125%
HK$39,484
baseline
▲ 0.50% · 4.625%
HK$41,566
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,968/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,285
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,507
−HK$1,241/mo
Today · 4.125%
HK$41,748
baseline
▲ 0.50% · 4.625%
HK$44,289
+HK$2,541/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,496/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,704
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,876
−HK$1,189/mo
Today · 4.125%
HK$46,065
baseline
▲ 0.50% · 4.625%
HK$48,493
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,130/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,509
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,080
−HK$1,596/mo
Today · 4.125%
HK$53,676
baseline
▲ 0.50% · 4.625%
HK$56,942
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,352/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,191
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,698
−HK$1,529/mo
Today · 4.125%
HK$59,227
baseline
▲ 0.50% · 4.625%
HK$62,349
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,454/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,471 · Scale 2, in force from 26 Feb 2026)