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$28,037
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$28,909
−HK$886/mo
Today · 4.125%
HK$29,795
baseline
▲ 0.50% · 4.625%
HK$31,608
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,590/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,190
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,027
−HK$849/mo
Today · 4.125%
HK$32,876
baseline
▲ 0.50% · 4.625%
HK$34,609
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,752/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,644
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,690
−HK$1,064/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,929
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,429
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,432
−HK$1,019/mo
Today · 4.125%
HK$39,451
baseline
▲ 0.50% · 4.625%
HK$41,530
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,902/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,251
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,472
−HK$1,241/mo
Today · 4.125%
HK$41,713
baseline
▲ 0.50% · 4.625%
HK$44,251
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,426/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,667
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,838
−HK$1,188/mo
Today · 4.125%
HK$46,026
baseline
▲ 0.50% · 4.625%
HK$48,452
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,052/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,466
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,036
−HK$1,595/mo
Today · 4.125%
HK$53,631
baseline
▲ 0.50% · 4.625%
HK$56,894
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,262/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,143
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,649
−HK$1,527/mo
Today · 4.125%
HK$59,176
baseline
▲ 0.50% · 4.625%
HK$62,295
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,352/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,078 · Scale 2, in force from 26 Feb 2026)