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$27,909
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,777
−HK$882/mo
Today · 4.125%
HK$29,659
baseline
▲ 0.50% · 4.625%
HK$31,464
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,318/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,048
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,881
−HK$845/mo
Today · 4.125%
HK$32,726
baseline
▲ 0.50% · 4.625%
HK$34,451
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,452/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,490
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,532
−HK$1,059/mo
Today · 4.125%
HK$35,591
baseline
▲ 0.50% · 4.625%
HK$37,756
+HK$2,165/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,182/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,258
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,257
−HK$1,014/mo
Today · 4.125%
HK$39,271
baseline
▲ 0.50% · 4.625%
HK$41,341
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,542/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,072
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,288
−HK$1,234/mo
Today · 4.125%
HK$41,522
baseline
▲ 0.50% · 4.625%
HK$44,049
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,044/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,467
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,633
−HK$1,183/mo
Today · 4.125%
HK$45,816
baseline
▲ 0.50% · 4.625%
HK$48,231
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,632/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,236
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,798
−HK$1,588/mo
Today · 4.125%
HK$53,386
baseline
▲ 0.50% · 4.625%
HK$56,634
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,772/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,887
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,386
−HK$1,520/mo
Today · 4.125%
HK$58,906
baseline
▲ 0.50% · 4.625%
HK$62,011
+HK$3,105/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,812/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,974 · Scale 2, in force from 26 Feb 2026)