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$27,946
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,816
−HK$883/mo
Today · 4.125%
HK$29,699
baseline
▲ 0.50% · 4.625%
HK$31,506
+HK$1,807/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$459,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,090
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,924
−HK$846/mo
Today · 4.125%
HK$32,770
baseline
▲ 0.50% · 4.625%
HK$34,497
+HK$1,727/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$459,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,579
−HK$1,060/mo
Today · 4.125%
HK$35,639
baseline
▲ 0.50% · 4.625%
HK$37,807
+HK$2,168/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$459,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,308
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,309
−HK$1,015/mo
Today · 4.125%
HK$39,324
baseline
▲ 0.50% · 4.625%
HK$41,397
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,648/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,125
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,342
−HK$1,237/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$459,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,526
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,694
−HK$1,184/mo
Today · 4.125%
HK$45,878
baseline
▲ 0.50% · 4.625%
HK$48,296
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,756/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,304
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,868
−HK$1,590/mo
Today · 4.125%
HK$53,458
baseline
▲ 0.50% · 4.625%
HK$56,711
+HK$3,253/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,916/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,962
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,463
−HK$1,523/mo
Today · 4.125%
HK$58,986
baseline
▲ 0.50% · 4.625%
HK$62,095
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,972/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,595 · Scale 2, in force from 26 Feb 2026)