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$27,933
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,802
−HK$882/mo
Today · 4.125%
HK$29,684
baseline
▲ 0.50% · 4.625%
HK$31,491
+HK$1,807/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,368/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,075
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,908
−HK$846/mo
Today · 4.125%
HK$32,754
baseline
▲ 0.50% · 4.625%
HK$34,480
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,508/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,519
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,562
−HK$1,059/mo
Today · 4.125%
HK$35,621
baseline
▲ 0.50% · 4.625%
HK$37,789
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,242/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,290
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,290
−HK$1,015/mo
Today · 4.125%
HK$39,305
baseline
▲ 0.50% · 4.625%
HK$41,377
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,610/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,106
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,322
−HK$1,236/mo
Today · 4.125%
HK$41,558
baseline
▲ 0.50% · 4.625%
HK$44,087
+HK$2,529/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,116/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,505
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,672
−HK$1,183/mo
Today · 4.125%
HK$45,855
baseline
▲ 0.50% · 4.625%
HK$48,273
+HK$2,418/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,710/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,279
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,843
−HK$1,589/mo
Today · 4.125%
HK$53,432
baseline
▲ 0.50% · 4.625%
HK$56,683
+HK$3,251/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,864/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,935
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,435
−HK$1,522/mo
Today · 4.125%
HK$58,957
baseline
▲ 0.50% · 4.625%
HK$62,065
+HK$3,108/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,914/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,371 · Scale 2, in force from 26 Feb 2026)