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$27,913
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,781
−HK$882/mo
Today · 4.125%
HK$29,663
baseline
▲ 0.50% · 4.625%
HK$31,468
+HK$1,805/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,326/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,053
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,886
−HK$844/mo
Today · 4.125%
HK$32,730
baseline
▲ 0.50% · 4.625%
HK$34,456
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,460/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,495
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,537
−HK$1,059/mo
Today · 4.125%
HK$35,596
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$2,166/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$71,192/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,263
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$38,263
−HK$1,014/mo
Today · 4.125%
HK$39,277
baseline
▲ 0.50% · 4.625%
HK$41,347
+HK$2,070/mo
Deposit HK$4.90M · loan HK$7.34M · min. income ≈ HK$78,554/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,078
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,294
−HK$1,235/mo
Today · 4.125%
HK$41,529
baseline
▲ 0.50% · 4.625%
HK$44,055
+HK$2,526/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,058/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,474
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,640
−HK$1,183/mo
Today · 4.125%
HK$45,823
baseline
▲ 0.50% · 4.625%
HK$48,238
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,646/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,243
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$51,806
−HK$1,588/mo
Today · 4.125%
HK$53,394
baseline
▲ 0.50% · 4.625%
HK$56,643
+HK$3,249/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,788/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,895
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,394
−HK$1,521/mo
Today · 4.125%
HK$58,915
baseline
▲ 0.50% · 4.625%
HK$62,020
+HK$3,105/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,830/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,042 · Scale 2, in force from 26 Feb 2026)