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$27,923
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,791
−HK$883/mo
Today · 4.125%
HK$29,674
baseline
▲ 0.50% · 4.625%
HK$31,479
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,348/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,064
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,897
−HK$845/mo
Today · 4.125%
HK$32,742
baseline
▲ 0.50% · 4.625%
HK$34,468
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,484/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,507
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,550
−HK$1,059/mo
Today · 4.125%
HK$35,609
baseline
▲ 0.50% · 4.625%
HK$37,775
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,218/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,277
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,276
−HK$1,015/mo
Today · 4.125%
HK$39,291
baseline
▲ 0.50% · 4.625%
HK$41,362
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,582/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,092
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,308
−HK$1,235/mo
Today · 4.125%
HK$41,543
baseline
▲ 0.50% · 4.625%
HK$44,071
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,086/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,489
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,656
−HK$1,183/mo
Today · 4.125%
HK$45,839
baseline
▲ 0.50% · 4.625%
HK$48,255
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,678/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,261
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,825
−HK$1,588/mo
Today · 4.125%
HK$53,413
baseline
▲ 0.50% · 4.625%
HK$56,663
+HK$3,250/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,826/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,915
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,415
−HK$1,521/mo
Today · 4.125%
HK$58,936
baseline
▲ 0.50% · 4.625%
HK$62,043
+HK$3,107/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,872/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,207 · Scale 2, in force from 26 Feb 2026)