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$28,065
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,938
−HK$887/mo
Today · 4.125%
HK$29,825
baseline
▲ 0.50% · 4.625%
HK$31,640
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,650/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,223
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,060
−HK$849/mo
Today · 4.125%
HK$32,909
baseline
▲ 0.50% · 4.625%
HK$34,644
+HK$1,735/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,818/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$461,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,726
−HK$1,064/mo
Today · 4.125%
HK$35,790
baseline
▲ 0.50% · 4.625%
HK$37,968
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,580/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,467
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,472
−HK$1,019/mo
Today · 4.125%
HK$39,491
baseline
▲ 0.50% · 4.625%
HK$41,573
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,982/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,292
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,514
−HK$1,242/mo
Today · 4.125%
HK$41,756
baseline
▲ 0.50% · 4.625%
HK$44,296
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$83,512/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,712
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,884
−HK$1,189/mo
Today · 4.125%
HK$46,073
baseline
▲ 0.50% · 4.625%
HK$48,502
+HK$2,429/mo
Deposit HK$3.69M · loan HK$8.62M · min. income ≈ HK$92,146/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,518
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,089
−HK$1,597/mo
Today · 4.125%
HK$53,686
baseline
▲ 0.50% · 4.625%
HK$56,952
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,372/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,201
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,708
−HK$1,529/mo
Today · 4.125%
HK$59,237
baseline
▲ 0.50% · 4.625%
HK$62,359
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,474/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,551 · Scale 2, in force from 26 Feb 2026)