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$28,042
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,914
−HK$887/mo
Today · 4.125%
HK$29,801
baseline
▲ 0.50% · 4.625%
HK$31,614
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,602/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,033
−HK$849/mo
Today · 4.125%
HK$32,882
baseline
▲ 0.50% · 4.625%
HK$34,615
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,764/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,651
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$1,064/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,937
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,436
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,018/mo
Today · 4.125%
HK$39,458
baseline
▲ 0.50% · 4.625%
HK$41,538
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,916/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,259
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,480
−HK$1,241/mo
Today · 4.125%
HK$41,721
baseline
▲ 0.50% · 4.625%
HK$44,259
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,442/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,675
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,847
−HK$1,188/mo
Today · 4.125%
HK$46,035
baseline
▲ 0.50% · 4.625%
HK$48,461
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,070/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,476
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,046
−HK$1,595/mo
Today · 4.125%
HK$53,641
baseline
▲ 0.50% · 4.625%
HK$56,905
+HK$3,264/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,282/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,154
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,660
−HK$1,528/mo
Today · 4.125%
HK$59,188
baseline
▲ 0.50% · 4.625%
HK$62,307
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,376/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,167 · Scale 2, in force from 26 Feb 2026)