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$27,916
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,785
−HK$882/mo
Today · 4.125%
HK$29,667
baseline
▲ 0.50% · 4.625%
HK$31,472
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,334/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,057
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,890
−HK$845/mo
Today · 4.125%
HK$32,735
baseline
▲ 0.50% · 4.625%
HK$34,460
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,470/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,500
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,542
−HK$1,059/mo
Today · 4.125%
HK$35,601
baseline
▲ 0.50% · 4.625%
HK$37,767
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,202/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,268
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,268
−HK$1,014/mo
Today · 4.125%
HK$39,282
baseline
▲ 0.50% · 4.625%
HK$41,352
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,564/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,083
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,299
−HK$1,235/mo
Today · 4.125%
HK$41,534
baseline
▲ 0.50% · 4.625%
HK$44,061
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,068/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,480
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,646
−HK$1,183/mo
Today · 4.125%
HK$45,829
baseline
▲ 0.50% · 4.625%
HK$48,244
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,658/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,250
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,813
−HK$1,588/mo
Today · 4.125%
HK$53,401
baseline
▲ 0.50% · 4.625%
HK$56,650
+HK$3,249/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,802/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,902
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,402
−HK$1,520/mo
Today · 4.125%
HK$58,922
baseline
▲ 0.50% · 4.625%
HK$62,028
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,844/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,102 · Scale 2, in force from 26 Feb 2026)