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$28,050
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,922
−HK$887/mo
Today · 4.125%
HK$29,809
baseline
▲ 0.50% · 4.625%
HK$31,623
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,618/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,205
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,042
−HK$849/mo
Today · 4.125%
HK$32,891
baseline
▲ 0.50% · 4.625%
HK$34,625
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,782/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,660
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,707
−HK$1,064/mo
Today · 4.125%
HK$35,771
baseline
▲ 0.50% · 4.625%
HK$37,947
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,542/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,446
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,451
−HK$1,018/mo
Today · 4.125%
HK$39,469
baseline
▲ 0.50% · 4.625%
HK$41,550
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,938/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,270
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,491
−HK$1,241/mo
Today · 4.125%
HK$41,732
baseline
▲ 0.50% · 4.625%
HK$44,272
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,464/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,687
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,859
−HK$1,189/mo
Today · 4.125%
HK$46,048
baseline
▲ 0.50% · 4.625%
HK$48,475
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,096/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,490
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,060
−HK$1,596/mo
Today · 4.125%
HK$53,656
baseline
▲ 0.50% · 4.625%
HK$56,921
+HK$3,265/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,312/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,169
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,676
−HK$1,528/mo
Today · 4.125%
HK$59,204
baseline
▲ 0.50% · 4.625%
HK$62,325
+HK$3,121/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,408/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,296 · Scale 2, in force from 26 Feb 2026)