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$27,930
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,799
−HK$882/mo
Today · 4.125%
HK$29,681
baseline
▲ 0.50% · 4.625%
HK$31,487
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,362/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,072
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,905
−HK$845/mo
Today · 4.125%
HK$32,750
baseline
▲ 0.50% · 4.625%
HK$34,477
+HK$1,727/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,500/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,516
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,558
−HK$1,059/mo
Today · 4.125%
HK$35,617
baseline
▲ 0.50% · 4.625%
HK$37,785
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,234/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,286
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,014/mo
Today · 4.125%
HK$39,300
baseline
▲ 0.50% · 4.625%
HK$41,372
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,600/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,102
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,318
−HK$1,236/mo
Today · 4.125%
HK$41,554
baseline
▲ 0.50% · 4.625%
HK$44,082
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,108/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,500
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,667
−HK$1,183/mo
Today · 4.125%
HK$45,850
baseline
▲ 0.50% · 4.625%
HK$48,267
+HK$2,417/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,700/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,274
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,837
−HK$1,589/mo
Today · 4.125%
HK$53,426
baseline
▲ 0.50% · 4.625%
HK$56,677
+HK$3,251/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,852/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,929
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,429
−HK$1,522/mo
Today · 4.125%
HK$58,951
baseline
▲ 0.50% · 4.625%
HK$62,058
+HK$3,107/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,902/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,320 · Scale 2, in force from 26 Feb 2026)