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$27,898
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,766
−HK$881/mo
Today · 4.125%
HK$29,647
baseline
▲ 0.50% · 4.625%
HK$31,451
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,294/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,036
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,868
−HK$845/mo
Today · 4.125%
HK$32,713
baseline
▲ 0.50% · 4.625%
HK$34,437
+HK$1,724/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,426/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,477
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,519
−HK$1,058/mo
Today · 4.125%
HK$35,577
baseline
▲ 0.50% · 4.625%
HK$37,742
+HK$2,165/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,154/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,243
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,242
−HK$1,013/mo
Today · 4.125%
HK$39,255
baseline
▲ 0.50% · 4.625%
HK$41,325
+HK$2,070/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,510/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,057
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,272
−HK$1,234/mo
Today · 4.125%
HK$41,506
baseline
▲ 0.50% · 4.625%
HK$44,032
+HK$2,526/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$83,012/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,451
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,616
−HK$1,182/mo
Today · 4.125%
HK$45,798
baseline
▲ 0.50% · 4.625%
HK$48,212
+HK$2,414/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,596/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,216
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$51,778
−HK$1,587/mo
Today · 4.125%
HK$53,365
baseline
▲ 0.50% · 4.625%
HK$56,612
+HK$3,247/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,730/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,865
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$57,363
−HK$1,520/mo
Today · 4.125%
HK$58,883
baseline
▲ 0.50% · 4.625%
HK$61,987
+HK$3,104/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,766/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,795 · Scale 2, in force from 26 Feb 2026)