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$27,951
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,820
−HK$883/mo
Today · 4.125%
HK$29,703
baseline
▲ 0.50% · 4.625%
HK$31,511
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,406/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,095
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,929
−HK$846/mo
Today · 4.125%
HK$32,775
baseline
▲ 0.50% · 4.625%
HK$34,502
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,550/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,541
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,584
−HK$1,060/mo
Today · 4.125%
HK$35,644
baseline
▲ 0.50% · 4.625%
HK$37,813
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,288/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,314
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,315
−HK$1,015/mo
Today · 4.125%
HK$39,330
baseline
▲ 0.50% · 4.625%
HK$41,403
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,660/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,131
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,348
−HK$1,237/mo
Today · 4.125%
HK$41,585
baseline
▲ 0.50% · 4.625%
HK$44,115
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,170/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,533
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,700
−HK$1,185/mo
Today · 4.125%
HK$45,885
baseline
▲ 0.50% · 4.625%
HK$48,303
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,770/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,311
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,876
−HK$1,590/mo
Today · 4.125%
HK$53,466
baseline
▲ 0.50% · 4.625%
HK$56,720
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,932/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,971
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,472
−HK$1,523/mo
Today · 4.125%
HK$58,995
baseline
▲ 0.50% · 4.625%
HK$62,104
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,990/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,665 · Scale 2, in force from 26 Feb 2026)