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$28,029
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,900
−HK$886/mo
Today · 4.125%
HK$29,786
baseline
▲ 0.50% · 4.625%
HK$31,599
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,572/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,182
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,018
−HK$848/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,599
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,634
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,681
−HK$1,063/mo
Today · 4.125%
HK$35,744
baseline
▲ 0.50% · 4.625%
HK$37,918
+HK$2,174/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,488/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,418
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,421
−HK$1,018/mo
Today · 4.125%
HK$39,439
baseline
▲ 0.50% · 4.625%
HK$41,518
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,878/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,240
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,461
−HK$1,240/mo
Today · 4.125%
HK$41,701
baseline
▲ 0.50% · 4.625%
HK$44,238
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,402/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,654
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,825
−HK$1,188/mo
Today · 4.125%
HK$46,013
baseline
▲ 0.50% · 4.625%
HK$48,438
+HK$2,425/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,026/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,452
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,021
−HK$1,594/mo
Today · 4.125%
HK$53,615
baseline
▲ 0.50% · 4.625%
HK$56,878
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,230/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,127
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,632
−HK$1,527/mo
Today · 4.125%
HK$59,159
baseline
▲ 0.50% · 4.625%
HK$62,278
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,318/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,946 · Scale 2, in force from 26 Feb 2026)