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$28,045
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,918
−HK$886/mo
Today · 4.125%
HK$29,804
baseline
▲ 0.50% · 4.625%
HK$31,618
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,608/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,200
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,037
−HK$849/mo
Today · 4.125%
HK$32,886
baseline
▲ 0.50% · 4.625%
HK$34,619
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,772/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,654
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,701
−HK$1,064/mo
Today · 4.125%
HK$35,765
baseline
▲ 0.50% · 4.625%
HK$37,941
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,530/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,440
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,444
−HK$1,019/mo
Today · 4.125%
HK$39,463
baseline
▲ 0.50% · 4.625%
HK$41,543
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,926/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,264
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,485
−HK$1,241/mo
Today · 4.125%
HK$41,726
baseline
▲ 0.50% · 4.625%
HK$44,265
+HK$2,539/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,452/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,680
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,852
−HK$1,188/mo
Today · 4.125%
HK$46,040
baseline
▲ 0.50% · 4.625%
HK$48,467
+HK$2,427/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,080/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,482
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,052
−HK$1,595/mo
Today · 4.125%
HK$53,647
baseline
▲ 0.50% · 4.625%
HK$56,912
+HK$3,265/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,294/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,160
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,667
−HK$1,528/mo
Today · 4.125%
HK$59,195
baseline
▲ 0.50% · 4.625%
HK$62,315
+HK$3,120/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,390/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,222 · Scale 2, in force from 26 Feb 2026)