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$27,915
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,783
−HK$882/mo
Today · 4.125%
HK$29,665
baseline
▲ 0.50% · 4.625%
HK$31,471
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,330/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,055
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,888
−HK$845/mo
Today · 4.125%
HK$32,733
baseline
▲ 0.50% · 4.625%
HK$34,458
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,466/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,498
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,540
−HK$1,059/mo
Today · 4.125%
HK$35,599
baseline
▲ 0.50% · 4.625%
HK$37,765
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,198/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,266
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,266
−HK$1,014/mo
Today · 4.125%
HK$39,280
baseline
▲ 0.50% · 4.625%
HK$41,350
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,560/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,081
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,297
−HK$1,235/mo
Today · 4.125%
HK$41,532
baseline
▲ 0.50% · 4.625%
HK$44,059
+HK$2,527/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,064/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,477
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,643
−HK$1,183/mo
Today · 4.125%
HK$45,826
baseline
▲ 0.50% · 4.625%
HK$48,242
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,652/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,247
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,810
−HK$1,588/mo
Today · 4.125%
HK$53,398
baseline
▲ 0.50% · 4.625%
HK$56,647
+HK$3,249/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,796/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,899
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,398
−HK$1,521/mo
Today · 4.125%
HK$58,919
baseline
▲ 0.50% · 4.625%
HK$62,025
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,838/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,077 · Scale 2, in force from 26 Feb 2026)