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$27,957
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,827
−HK$883/mo
Today · 4.125%
HK$29,710
baseline
▲ 0.50% · 4.625%
HK$31,518
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,420/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,102
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,936
−HK$846/mo
Today · 4.125%
HK$32,782
baseline
▲ 0.50% · 4.625%
HK$34,510
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,564/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,549
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,592
−HK$1,060/mo
Today · 4.125%
HK$35,652
baseline
▲ 0.50% · 4.625%
HK$37,822
+HK$2,170/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$71,304/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,322
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,323
−HK$1,016/mo
Today · 4.125%
HK$39,339
baseline
▲ 0.50% · 4.625%
HK$41,413
+HK$2,074/mo
Deposit HK$4.90M · loan HK$7.36M · min. income ≈ HK$78,678/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,140
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,358
−HK$1,236/mo
Today · 4.125%
HK$41,594
baseline
▲ 0.50% · 4.625%
HK$44,125
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,188/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,543
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,711
−HK$1,184/mo
Today · 4.125%
HK$45,895
baseline
▲ 0.50% · 4.625%
HK$48,315
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,790/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,323
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,888
−HK$1,591/mo
Today · 4.125%
HK$53,479
baseline
▲ 0.50% · 4.625%
HK$56,733
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,958/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,984
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,485
−HK$1,523/mo
Today · 4.125%
HK$59,008
baseline
▲ 0.50% · 4.625%
HK$62,119
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$118,016/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,771 · Scale 2, in force from 26 Feb 2026)