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$28,059
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,932
−HK$887/mo
Today · 4.125%
HK$29,819
baseline
▲ 0.50% · 4.625%
HK$31,633
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,638/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,216
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,053
−HK$849/mo
Today · 4.125%
HK$32,902
baseline
▲ 0.50% · 4.625%
HK$34,636
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,804/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,671
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,718
−HK$1,064/mo
Today · 4.125%
HK$35,782
baseline
▲ 0.50% · 4.625%
HK$37,960
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,564/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,459
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,463
−HK$1,019/mo
Today · 4.125%
HK$39,482
baseline
▲ 0.50% · 4.625%
HK$41,564
+HK$2,082/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,964/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,283
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,505
−HK$1,241/mo
Today · 4.125%
HK$41,746
baseline
▲ 0.50% · 4.625%
HK$44,286
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,492/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,702
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,874
−HK$1,189/mo
Today · 4.125%
HK$46,063
baseline
▲ 0.50% · 4.625%
HK$48,491
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,126/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,507
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,078
−HK$1,596/mo
Today · 4.125%
HK$53,674
baseline
▲ 0.50% · 4.625%
HK$56,940
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,348/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,188
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,695
−HK$1,529/mo
Today · 4.125%
HK$59,224
baseline
▲ 0.50% · 4.625%
HK$62,345
+HK$3,121/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,448/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,448 · Scale 2, in force from 26 Feb 2026)