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$27,973
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,843
−HK$884/mo
Today · 4.125%
HK$29,727
baseline
▲ 0.50% · 4.625%
HK$31,535
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,454/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,119
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,954
−HK$846/mo
Today · 4.125%
HK$32,800
baseline
▲ 0.50% · 4.625%
HK$34,529
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,600/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,567
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,611
−HK$1,061/mo
Today · 4.125%
HK$35,672
baseline
▲ 0.50% · 4.625%
HK$37,843
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,344/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,343
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,344
−HK$1,016/mo
Today · 4.125%
HK$39,360
baseline
▲ 0.50% · 4.625%
HK$41,435
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,720/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,162
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,380
−HK$1,237/mo
Today · 4.125%
HK$41,617
baseline
▲ 0.50% · 4.625%
HK$44,150
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,234/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,567
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,735
−HK$1,186/mo
Today · 4.125%
HK$45,921
baseline
▲ 0.50% · 4.625%
HK$48,341
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,842/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,351
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,917
−HK$1,591/mo
Today · 4.125%
HK$53,508
baseline
▲ 0.50% · 4.625%
HK$56,764
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,016/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,014
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,517
−HK$1,524/mo
Today · 4.125%
HK$59,041
baseline
▲ 0.50% · 4.625%
HK$62,153
+HK$3,112/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,082/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,023 · Scale 2, in force from 26 Feb 2026)