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$27,942
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,811
−HK$883/mo
Today · 4.125%
HK$29,694
baseline
▲ 0.50% · 4.625%
HK$31,501
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,388/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,085
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,918
−HK$846/mo
Today · 4.125%
HK$32,764
baseline
▲ 0.50% · 4.625%
HK$34,491
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,528/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,530
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,573
−HK$1,060/mo
Today · 4.125%
HK$35,633
baseline
▲ 0.50% · 4.625%
HK$37,801
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,266/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,302
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,302
−HK$1,015/mo
Today · 4.125%
HK$39,317
baseline
▲ 0.50% · 4.625%
HK$41,389
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,634/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,118
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,335
−HK$1,236/mo
Today · 4.125%
HK$41,571
baseline
▲ 0.50% · 4.625%
HK$44,101
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,142/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,519
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,686
−HK$1,184/mo
Today · 4.125%
HK$45,870
baseline
▲ 0.50% · 4.625%
HK$48,288
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,740/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,295
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,859
−HK$1,590/mo
Today · 4.125%
HK$53,449
baseline
▲ 0.50% · 4.625%
HK$56,701
+HK$3,252/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,898/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,953
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,453
−HK$1,522/mo
Today · 4.125%
HK$58,975
baseline
▲ 0.50% · 4.625%
HK$62,084
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,950/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,514 · Scale 2, in force from 26 Feb 2026)