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$28,025
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$886/mo
Today · 4.125%
HK$29,783
baseline
▲ 0.50% · 4.625%
HK$31,595
+HK$1,812/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,566/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,178
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,014
−HK$848/mo
Today · 4.125%
HK$32,862
baseline
▲ 0.50% · 4.625%
HK$34,595
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,724/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,630
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,677
−HK$1,062/mo
Today · 4.125%
HK$35,739
baseline
▲ 0.50% · 4.625%
HK$37,914
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,478/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,414
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,417
−HK$1,018/mo
Today · 4.125%
HK$39,435
baseline
▲ 0.50% · 4.625%
HK$41,514
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,870/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,236
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,456
−HK$1,240/mo
Today · 4.125%
HK$41,696
baseline
▲ 0.50% · 4.625%
HK$44,233
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,392/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,649
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,820
−HK$1,187/mo
Today · 4.125%
HK$46,007
baseline
▲ 0.50% · 4.625%
HK$48,433
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,014/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,446
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,015
−HK$1,594/mo
Today · 4.125%
HK$53,609
baseline
▲ 0.50% · 4.625%
HK$56,871
+HK$3,262/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,218/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,120
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,625
−HK$1,527/mo
Today · 4.125%
HK$59,152
baseline
▲ 0.50% · 4.625%
HK$62,270
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,304/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,893 · Scale 2, in force from 26 Feb 2026)