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$27,967
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,836
−HK$884/mo
Today · 4.125%
HK$29,720
baseline
▲ 0.50% · 4.625%
HK$31,529
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,440/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,112
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,947
−HK$846/mo
Today · 4.125%
HK$32,793
baseline
▲ 0.50% · 4.625%
HK$34,522
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,586/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,560
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,604
−HK$1,060/mo
Today · 4.125%
HK$35,664
baseline
▲ 0.50% · 4.625%
HK$37,834
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,328/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,335
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,336
−HK$1,016/mo
Today · 4.125%
HK$39,352
baseline
▲ 0.50% · 4.625%
HK$41,426
+HK$2,074/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,704/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,153
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,371
−HK$1,237/mo
Today · 4.125%
HK$41,608
baseline
▲ 0.50% · 4.625%
HK$44,140
+HK$2,532/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,216/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,557
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,726
−HK$1,185/mo
Today · 4.125%
HK$45,911
baseline
▲ 0.50% · 4.625%
HK$48,331
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,822/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,340
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,906
−HK$1,591/mo
Today · 4.125%
HK$53,497
baseline
▲ 0.50% · 4.625%
HK$56,752
+HK$3,255/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,994/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,002
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,504
−HK$1,524/mo
Today · 4.125%
HK$59,028
baseline
▲ 0.50% · 4.625%
HK$62,140
+HK$3,112/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,056/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,925 · Scale 2, in force from 26 Feb 2026)