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$27,912
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,780
−HK$882/mo
Today · 4.125%
HK$29,662
baseline
▲ 0.50% · 4.625%
HK$31,467
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,324/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,052
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,884
−HK$845/mo
Today · 4.125%
HK$32,729
baseline
▲ 0.50% · 4.625%
HK$34,454
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,458/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,494
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,536
−HK$1,058/mo
Today · 4.125%
HK$35,594
baseline
▲ 0.50% · 4.625%
HK$37,760
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,188/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,262
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,261
−HK$1,014/mo
Today · 4.125%
HK$39,275
baseline
▲ 0.50% · 4.625%
HK$41,345
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,550/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,076
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,292
−HK$1,235/mo
Today · 4.125%
HK$41,527
baseline
▲ 0.50% · 4.625%
HK$44,054
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,054/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,472
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,638
−HK$1,183/mo
Today · 4.125%
HK$45,821
baseline
▲ 0.50% · 4.625%
HK$48,236
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,642/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,241
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,804
−HK$1,588/mo
Today · 4.125%
HK$53,392
baseline
▲ 0.50% · 4.625%
HK$56,640
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,784/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,893
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,392
−HK$1,520/mo
Today · 4.125%
HK$58,912
baseline
▲ 0.50% · 4.625%
HK$62,018
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,824/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,023 · Scale 2, in force from 26 Feb 2026)