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$27,920
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,788
−HK$883/mo
Today · 4.125%
HK$29,671
baseline
▲ 0.50% · 4.625%
HK$31,476
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,342/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,061
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$31,894
−HK$845/mo
Today · 4.125%
HK$32,739
baseline
▲ 0.50% · 4.625%
HK$34,464
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,478/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,504
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,546
−HK$1,059/mo
Today · 4.125%
HK$35,605
baseline
▲ 0.50% · 4.625%
HK$37,771
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,210/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,273
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,272
−HK$1,014/mo
Today · 4.125%
HK$39,286
baseline
▲ 0.50% · 4.625%
HK$41,357
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,572/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,088
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,304
−HK$1,235/mo
Today · 4.125%
HK$41,539
baseline
▲ 0.50% · 4.625%
HK$44,067
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,078/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,485
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,651
−HK$1,183/mo
Today · 4.125%
HK$45,834
baseline
▲ 0.50% · 4.625%
HK$48,250
+HK$2,416/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,668/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,256
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,819
−HK$1,588/mo
Today · 4.125%
HK$53,407
baseline
▲ 0.50% · 4.625%
HK$56,657
+HK$3,250/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,814/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,909
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,409
−HK$1,521/mo
Today · 4.125%
HK$58,930
baseline
▲ 0.50% · 4.625%
HK$62,036
+HK$3,106/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,860/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,158 · Scale 2, in force from 26 Feb 2026)