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$27,962
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,832
−HK$883/mo
Today · 4.125%
HK$29,715
baseline
▲ 0.50% · 4.625%
HK$31,523
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,430/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,107
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,942
−HK$846/mo
Today · 4.125%
HK$32,788
baseline
▲ 0.50% · 4.625%
HK$34,516
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,576/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,554
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,598
−HK$1,060/mo
Today · 4.125%
HK$35,658
baseline
▲ 0.50% · 4.625%
HK$37,828
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,316/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,329
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,330
−HK$1,016/mo
Today · 4.125%
HK$39,346
baseline
▲ 0.50% · 4.625%
HK$41,419
+HK$2,073/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,692/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,147
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,364
−HK$1,237/mo
Today · 4.125%
HK$41,601
baseline
▲ 0.50% · 4.625%
HK$44,133
+HK$2,532/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,202/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,550
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,718
−HK$1,185/mo
Today · 4.125%
HK$45,903
baseline
▲ 0.50% · 4.625%
HK$48,323
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,806/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,331
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,897
−HK$1,591/mo
Today · 4.125%
HK$53,488
baseline
▲ 0.50% · 4.625%
HK$56,742
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,976/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,993
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,495
−HK$1,523/mo
Today · 4.125%
HK$59,018
baseline
▲ 0.50% · 4.625%
HK$62,129
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,036/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,848 · Scale 2, in force from 26 Feb 2026)