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$28,047
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,919
−HK$886/mo
Today · 4.125%
HK$29,805
baseline
▲ 0.50% · 4.625%
HK$31,619
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,610/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,202
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,038
−HK$849/mo
Today · 4.125%
HK$32,887
baseline
▲ 0.50% · 4.625%
HK$34,621
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,774/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,656
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,703
−HK$1,064/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,943
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,442
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,446
−HK$1,019/mo
Today · 4.125%
HK$39,465
baseline
▲ 0.50% · 4.625%
HK$41,545
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,930/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,265
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,487
−HK$1,241/mo
Today · 4.125%
HK$41,728
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,539/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,456/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,682
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,854
−HK$1,188/mo
Today · 4.125%
HK$46,042
baseline
▲ 0.50% · 4.625%
HK$48,469
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,084/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,484
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,054
−HK$1,596/mo
Today · 4.125%
HK$53,650
baseline
▲ 0.50% · 4.625%
HK$56,914
+HK$3,264/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,300/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,163
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,669
−HK$1,528/mo
Today · 4.125%
HK$59,197
baseline
▲ 0.50% · 4.625%
HK$62,318
+HK$3,121/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,394/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,243 · Scale 2, in force from 26 Feb 2026)