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$28,057
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,929
−HK$887/mo
Today · 4.125%
HK$29,816
baseline
▲ 0.50% · 4.625%
HK$31,630
+HK$1,814/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,632/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,213
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,050
−HK$849/mo
Today · 4.125%
HK$32,899
baseline
▲ 0.50% · 4.625%
HK$34,633
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,798/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,668
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,715
−HK$1,064/mo
Today · 4.125%
HK$35,779
baseline
▲ 0.50% · 4.625%
HK$37,956
+HK$2,177/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,558/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,455
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,460
−HK$1,019/mo
Today · 4.125%
HK$39,479
baseline
▲ 0.50% · 4.625%
HK$41,560
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,958/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,279
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,501
−HK$1,242/mo
Today · 4.125%
HK$41,743
baseline
▲ 0.50% · 4.625%
HK$44,283
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,486/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,698
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,870
−HK$1,189/mo
Today · 4.125%
HK$46,059
baseline
▲ 0.50% · 4.625%
HK$48,487
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,118/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,502
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,073
−HK$1,596/mo
Today · 4.125%
HK$53,669
baseline
▲ 0.50% · 4.625%
HK$56,935
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,338/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,183
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,690
−HK$1,529/mo
Today · 4.125%
HK$59,219
baseline
▲ 0.50% · 4.625%
HK$62,340
+HK$3,121/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,438/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,408 · Scale 2, in force from 26 Feb 2026)