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$28,028
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$885/mo
Today · 4.125%
HK$29,785
baseline
▲ 0.50% · 4.625%
HK$31,598
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,570/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,181
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,017
−HK$848/mo
Today · 4.125%
HK$32,865
baseline
▲ 0.50% · 4.625%
HK$34,598
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,730/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,633
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,680
−HK$1,063/mo
Today · 4.125%
HK$35,743
baseline
▲ 0.50% · 4.625%
HK$37,917
+HK$2,174/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,486/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,417
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,420
−HK$1,018/mo
Today · 4.125%
HK$39,438
baseline
▲ 0.50% · 4.625%
HK$41,517
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,876/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,239
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,460
−HK$1,240/mo
Today · 4.125%
HK$41,700
baseline
▲ 0.50% · 4.625%
HK$44,237
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,400/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,653
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,824
−HK$1,187/mo
Today · 4.125%
HK$46,011
baseline
▲ 0.50% · 4.625%
HK$48,437
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,022/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,450
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,019
−HK$1,595/mo
Today · 4.125%
HK$53,614
baseline
▲ 0.50% · 4.625%
HK$56,876
+HK$3,262/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,228/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,125
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,631
−HK$1,527/mo
Today · 4.125%
HK$59,158
baseline
▲ 0.50% · 4.625%
HK$62,276
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,316/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,933 · Scale 2, in force from 26 Feb 2026)