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$28,034
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,906
−HK$886/mo
Today · 4.125%
HK$29,792
baseline
▲ 0.50% · 4.625%
HK$31,604
+HK$1,812/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,584/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,187
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$848/mo
Today · 4.125%
HK$32,872
baseline
▲ 0.50% · 4.625%
HK$34,605
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,744/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,640
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,687
−HK$1,063/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,925
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,500/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,425
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,428
−HK$1,019/mo
Today · 4.125%
HK$39,447
baseline
▲ 0.50% · 4.625%
HK$41,526
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,894/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,247
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,468
−HK$1,240/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$44,246
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,662
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,833
−HK$1,188/mo
Today · 4.125%
HK$46,021
baseline
▲ 0.50% · 4.625%
HK$48,447
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,042/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,461
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,030
−HK$1,595/mo
Today · 4.125%
HK$53,625
baseline
▲ 0.50% · 4.625%
HK$56,888
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,250/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,137
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,643
−HK$1,527/mo
Today · 4.125%
HK$59,170
baseline
▲ 0.50% · 4.625%
HK$62,289
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,340/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,029 · Scale 2, in force from 26 Feb 2026)