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$27,941
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,810
−HK$883/mo
Today · 4.125%
HK$29,693
baseline
▲ 0.50% · 4.625%
HK$31,499
+HK$1,806/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,386/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,084
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,917
−HK$846/mo
Today · 4.125%
HK$32,763
baseline
▲ 0.50% · 4.625%
HK$34,490
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,526/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,529
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$1,059/mo
Today · 4.125%
HK$35,631
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,262/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,300
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,015/mo
Today · 4.125%
HK$39,316
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,632/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,117
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,236/mo
Today · 4.125%
HK$41,570
baseline
▲ 0.50% · 4.625%
HK$44,099
+HK$2,529/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,140/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,517
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,684
−HK$1,184/mo
Today · 4.125%
HK$45,868
baseline
▲ 0.50% · 4.625%
HK$48,286
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,736/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,293
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,857
−HK$1,590/mo
Today · 4.125%
HK$53,447
baseline
▲ 0.50% · 4.625%
HK$56,699
+HK$3,252/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,894/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,950
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,451
−HK$1,522/mo
Today · 4.125%
HK$58,973
baseline
▲ 0.50% · 4.625%
HK$62,082
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,946/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,497 · Scale 2, in force from 26 Feb 2026)