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$27,947
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,816
−HK$883/mo
Today · 4.125%
HK$29,699
baseline
▲ 0.50% · 4.625%
HK$31,507
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,398/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,091
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,925
−HK$845/mo
Today · 4.125%
HK$32,770
baseline
▲ 0.50% · 4.625%
HK$34,498
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,540/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,580
−HK$1,059/mo
Today · 4.125%
HK$35,639
baseline
▲ 0.50% · 4.625%
HK$37,808
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,278/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,309
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,309
−HK$1,016/mo
Today · 4.125%
HK$39,325
baseline
▲ 0.50% · 4.625%
HK$41,397
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,650/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,126
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,343
−HK$1,236/mo
Today · 4.125%
HK$41,579
baseline
▲ 0.50% · 4.625%
HK$44,109
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,158/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,527
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,694
−HK$1,185/mo
Today · 4.125%
HK$45,879
baseline
▲ 0.50% · 4.625%
HK$48,297
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,758/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,305
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,869
−HK$1,590/mo
Today · 4.125%
HK$53,459
baseline
▲ 0.50% · 4.625%
HK$56,712
+HK$3,253/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,918/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,963
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,464
−HK$1,523/mo
Today · 4.125%
HK$58,987
baseline
▲ 0.50% · 4.625%
HK$62,096
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,974/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,602 · Scale 2, in force from 26 Feb 2026)