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$27,924
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,792
−HK$883/mo
Today · 4.125%
HK$29,675
baseline
▲ 0.50% · 4.625%
HK$31,480
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,350/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,065
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,898
−HK$845/mo
Today · 4.125%
HK$32,743
baseline
▲ 0.50% · 4.625%
HK$34,469
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,486/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,508
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,551
−HK$1,059/mo
Today · 4.125%
HK$35,610
baseline
▲ 0.50% · 4.625%
HK$37,776
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,220/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,278
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,278
−HK$1,014/mo
Today · 4.125%
HK$39,292
baseline
▲ 0.50% · 4.625%
HK$41,363
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,584/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,093
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,309
−HK$1,236/mo
Today · 4.125%
HK$41,545
baseline
▲ 0.50% · 4.625%
HK$44,072
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,090/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,491
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,657
−HK$1,183/mo
Today · 4.125%
HK$45,840
baseline
▲ 0.50% · 4.625%
HK$48,257
+HK$2,417/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,680/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,263
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,826
−HK$1,588/mo
Today · 4.125%
HK$53,414
baseline
▲ 0.50% · 4.625%
HK$56,665
+HK$3,251/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,828/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,917
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,416
−HK$1,522/mo
Today · 4.125%
HK$58,938
baseline
▲ 0.50% · 4.625%
HK$62,044
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,876/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,219 · Scale 2, in force from 26 Feb 2026)