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$27,893
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,760
−HK$882/mo
Today · 4.125%
HK$29,642
baseline
▲ 0.50% · 4.625%
HK$31,445
+HK$1,803/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,284/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,030
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,863
−HK$844/mo
Today · 4.125%
HK$32,707
baseline
▲ 0.50% · 4.625%
HK$34,431
+HK$1,724/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,414/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,471
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,512
−HK$1,058/mo
Today · 4.125%
HK$35,570
baseline
▲ 0.50% · 4.625%
HK$37,735
+HK$2,165/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,140/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,236
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,235
−HK$1,013/mo
Today · 4.125%
HK$39,248
baseline
▲ 0.50% · 4.625%
HK$41,317
+HK$2,069/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,496/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,050
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,264
−HK$1,235/mo
Today · 4.125%
HK$41,499
baseline
▲ 0.50% · 4.625%
HK$44,024
+HK$2,525/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,998/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,443
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,608
−HK$1,182/mo
Today · 4.125%
HK$45,790
baseline
▲ 0.50% · 4.625%
HK$48,203
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,580/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,207
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$51,769
−HK$1,586/mo
Today · 4.125%
HK$53,355
baseline
▲ 0.50% · 4.625%
HK$56,602
+HK$3,247/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,710/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,855
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,353
−HK$1,519/mo
Today · 4.125%
HK$58,872
baseline
▲ 0.50% · 4.625%
HK$61,976
+HK$3,104/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,744/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,711 · Scale 2, in force from 26 Feb 2026)