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$28,052
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,925
−HK$887/mo
Today · 4.125%
HK$29,812
baseline
▲ 0.50% · 4.625%
HK$31,626
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,624/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,208
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,045
−HK$849/mo
Today · 4.125%
HK$32,894
baseline
▲ 0.50% · 4.625%
HK$34,628
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,788/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,663
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,710
−HK$1,064/mo
Today · 4.125%
HK$35,774
baseline
▲ 0.50% · 4.625%
HK$37,951
+HK$2,177/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,548/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,450
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,454
−HK$1,019/mo
Today · 4.125%
HK$39,473
baseline
▲ 0.50% · 4.625%
HK$41,554
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,946/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,273
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,495
−HK$1,241/mo
Today · 4.125%
HK$41,736
baseline
▲ 0.50% · 4.625%
HK$44,276
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,472/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,691
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,863
−HK$1,189/mo
Today · 4.125%
HK$46,052
baseline
▲ 0.50% · 4.625%
HK$48,479
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,104/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,494
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,065
−HK$1,596/mo
Today · 4.125%
HK$53,661
baseline
▲ 0.50% · 4.625%
HK$56,926
+HK$3,265/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,322/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,175
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,681
−HK$1,529/mo
Today · 4.125%
HK$59,210
baseline
▲ 0.50% · 4.625%
HK$62,331
+HK$3,121/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,420/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,338 · Scale 2, in force from 26 Feb 2026)