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$27,969
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,839
−HK$884/mo
Today · 4.125%
HK$29,723
baseline
▲ 0.50% · 4.625%
HK$31,531
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,446/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,115
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,950
−HK$846/mo
Today · 4.125%
HK$32,796
baseline
▲ 0.50% · 4.625%
HK$34,525
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,592/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,563
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,607
−HK$1,060/mo
Today · 4.125%
HK$35,667
baseline
▲ 0.50% · 4.625%
HK$37,838
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,334/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,338
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,340
−HK$1,015/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,430
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,710/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,157
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,375
−HK$1,237/mo
Today · 4.125%
HK$41,612
baseline
▲ 0.50% · 4.625%
HK$44,144
+HK$2,532/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,224/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,561
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,730
−HK$1,185/mo
Today · 4.125%
HK$45,915
baseline
▲ 0.50% · 4.625%
HK$48,335
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,830/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,344
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,910
−HK$1,591/mo
Today · 4.125%
HK$53,501
baseline
▲ 0.50% · 4.625%
HK$56,757
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,002/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,007
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,509
−HK$1,524/mo
Today · 4.125%
HK$59,033
baseline
▲ 0.50% · 4.625%
HK$62,145
+HK$3,112/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,066/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,964 · Scale 2, in force from 26 Feb 2026)