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$27,943
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,812
−HK$883/mo
Today · 4.125%
HK$29,695
baseline
▲ 0.50% · 4.625%
HK$31,502
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,390/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,086
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,920
−HK$845/mo
Today · 4.125%
HK$32,765
baseline
▲ 0.50% · 4.625%
HK$34,493
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,530/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,531
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,574
−HK$1,060/mo
Today · 4.125%
HK$35,634
baseline
▲ 0.50% · 4.625%
HK$37,802
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,268/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,303
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,304
−HK$1,014/mo
Today · 4.125%
HK$39,318
baseline
▲ 0.50% · 4.625%
HK$41,391
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,636/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,120
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,337
−HK$1,236/mo
Today · 4.125%
HK$41,573
baseline
▲ 0.50% · 4.625%
HK$44,102
+HK$2,529/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,146/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,520
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,687
−HK$1,185/mo
Today · 4.125%
HK$45,872
baseline
▲ 0.50% · 4.625%
HK$48,290
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,744/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,297
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,861
−HK$1,590/mo
Today · 4.125%
HK$53,451
baseline
▲ 0.50% · 4.625%
HK$56,703
+HK$3,252/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,902/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,955
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,455
−HK$1,523/mo
Today · 4.125%
HK$58,978
baseline
▲ 0.50% · 4.625%
HK$62,087
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,956/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,532 · Scale 2, in force from 26 Feb 2026)