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$27,938
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,808
−HK$882/mo
Today · 4.125%
HK$29,690
baseline
▲ 0.50% · 4.625%
HK$31,497
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,380/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,081
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,915
−HK$845/mo
Today · 4.125%
HK$32,760
baseline
▲ 0.50% · 4.625%
HK$34,487
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,520/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,526
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,569
−HK$1,060/mo
Today · 4.125%
HK$35,629
baseline
▲ 0.50% · 4.625%
HK$37,796
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,258/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,298
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,298
−HK$1,015/mo
Today · 4.125%
HK$39,313
baseline
▲ 0.50% · 4.625%
HK$41,385
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,626/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,114
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,331
−HK$1,236/mo
Today · 4.125%
HK$41,567
baseline
▲ 0.50% · 4.625%
HK$44,096
+HK$2,529/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,134/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,514
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,681
−HK$1,184/mo
Today · 4.125%
HK$45,865
baseline
▲ 0.50% · 4.625%
HK$48,282
+HK$2,417/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,730/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,289
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,854
−HK$1,589/mo
Today · 4.125%
HK$53,443
baseline
▲ 0.50% · 4.625%
HK$56,695
+HK$3,252/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,886/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,946
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,447
−HK$1,522/mo
Today · 4.125%
HK$58,969
baseline
▲ 0.50% · 4.625%
HK$62,077
+HK$3,108/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,938/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,463 · Scale 2, in force from 26 Feb 2026)