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$27,971
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,842
−HK$884/mo
Today · 4.125%
HK$29,726
baseline
▲ 0.50% · 4.625%
HK$31,534
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,452/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,118
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,953
−HK$846/mo
Today · 4.125%
HK$32,799
baseline
▲ 0.50% · 4.625%
HK$34,528
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,598/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,566
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,610
−HK$1,061/mo
Today · 4.125%
HK$35,671
baseline
▲ 0.50% · 4.625%
HK$37,841
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,342/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,342
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,343
−HK$1,016/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,434
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,160
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,378
−HK$1,238/mo
Today · 4.125%
HK$41,616
baseline
▲ 0.50% · 4.625%
HK$44,148
+HK$2,532/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,232/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,565
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,734
−HK$1,185/mo
Today · 4.125%
HK$45,919
baseline
▲ 0.50% · 4.625%
HK$48,339
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,838/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,349
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,915
−HK$1,591/mo
Today · 4.125%
HK$53,506
baseline
▲ 0.50% · 4.625%
HK$56,762
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,012/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,012
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,515
−HK$1,524/mo
Today · 4.125%
HK$59,039
baseline
▲ 0.50% · 4.625%
HK$62,151
+HK$3,112/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,078/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,006 · Scale 2, in force from 26 Feb 2026)