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$27,964
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,834
−HK$884/mo
Today · 4.125%
HK$29,718
baseline
▲ 0.50% · 4.625%
HK$31,526
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,436/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,110
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,944
−HK$846/mo
Today · 4.125%
HK$32,790
baseline
▲ 0.50% · 4.625%
HK$34,519
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,580/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,557
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,601
−HK$1,060/mo
Today · 4.125%
HK$35,661
baseline
▲ 0.50% · 4.625%
HK$37,831
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,322/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,331
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,333
−HK$1,015/mo
Today · 4.125%
HK$39,348
baseline
▲ 0.50% · 4.625%
HK$41,423
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,696/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,149
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,367
−HK$1,238/mo
Today · 4.125%
HK$41,605
baseline
▲ 0.50% · 4.625%
HK$44,136
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,210/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,553
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,721
−HK$1,185/mo
Today · 4.125%
HK$45,906
baseline
▲ 0.50% · 4.625%
HK$48,326
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,812/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,335
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,901
−HK$1,591/mo
Today · 4.125%
HK$53,492
baseline
▲ 0.50% · 4.625%
HK$56,746
+HK$3,254/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,984/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,997
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,499
−HK$1,524/mo
Today · 4.125%
HK$59,023
baseline
▲ 0.50% · 4.625%
HK$62,134
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,046/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,882 · Scale 2, in force from 26 Feb 2026)