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$28,062
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,934
−HK$887/mo
Today · 4.125%
HK$29,821
baseline
▲ 0.50% · 4.625%
HK$31,636
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,642/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,218
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,055
−HK$850/mo
Today · 4.125%
HK$32,905
baseline
▲ 0.50% · 4.625%
HK$34,639
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,810/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,674
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,721
−HK$1,064/mo
Today · 4.125%
HK$35,785
baseline
▲ 0.50% · 4.625%
HK$37,963
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,570/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,462
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,467
−HK$1,019/mo
Today · 4.125%
HK$39,486
baseline
▲ 0.50% · 4.625%
HK$41,567
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,972/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,286
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,508
−HK$1,242/mo
Today · 4.125%
HK$41,750
baseline
▲ 0.50% · 4.625%
HK$44,290
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,500/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,705
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,878
−HK$1,189/mo
Today · 4.125%
HK$46,067
baseline
▲ 0.50% · 4.625%
HK$48,495
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,134/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,511
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,082
−HK$1,596/mo
Today · 4.125%
HK$53,678
baseline
▲ 0.50% · 4.625%
HK$56,944
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,356/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,193
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,700
−HK$1,529/mo
Today · 4.125%
HK$59,229
baseline
▲ 0.50% · 4.625%
HK$62,351
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,458/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,487 · Scale 2, in force from 26 Feb 2026)