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$28,043
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,915
−HK$886/mo
Today · 4.125%
HK$29,801
baseline
▲ 0.50% · 4.625%
HK$31,615
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,602/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,034
−HK$849/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,616
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,652
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,698
−HK$1,064/mo
Today · 4.125%
HK$35,762
baseline
▲ 0.50% · 4.625%
HK$37,938
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,524/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,437
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,441
−HK$1,019/mo
Today · 4.125%
HK$39,460
baseline
▲ 0.50% · 4.625%
HK$41,540
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,920/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,260
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,481
−HK$1,241/mo
Today · 4.125%
HK$41,722
baseline
▲ 0.50% · 4.625%
HK$44,261
+HK$2,539/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,444/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,676
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,848
−HK$1,188/mo
Today · 4.125%
HK$46,036
baseline
▲ 0.50% · 4.625%
HK$48,463
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,072/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,477
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,047
−HK$1,596/mo
Today · 4.125%
HK$53,643
baseline
▲ 0.50% · 4.625%
HK$56,907
+HK$3,264/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,286/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,155
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,662
−HK$1,527/mo
Today · 4.125%
HK$59,189
baseline
▲ 0.50% · 4.625%
HK$62,309
+HK$3,120/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,378/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,181 · Scale 2, in force from 26 Feb 2026)