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$27,904
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$28,772
−HK$882/mo
Today · 4.125%
HK$29,654
baseline
▲ 0.50% · 4.625%
HK$31,458
+HK$1,804/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,308/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,043
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$31,875
−HK$845/mo
Today · 4.125%
HK$32,720
baseline
▲ 0.50% · 4.625%
HK$34,445
+HK$1,725/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,440/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$458,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,485
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,526
−HK$1,058/mo
Today · 4.125%
HK$35,584
baseline
▲ 0.50% · 4.625%
HK$37,750
+HK$2,166/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,168/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,251
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,250
−HK$1,014/mo
Today · 4.125%
HK$39,264
baseline
▲ 0.50% · 4.625%
HK$41,334
+HK$2,070/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,528/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,065
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,281
−HK$1,234/mo
Today · 4.125%
HK$41,515
baseline
▲ 0.50% · 4.625%
HK$44,041
+HK$2,526/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,030/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,460
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,626
−HK$1,182/mo
Today · 4.125%
HK$45,808
baseline
▲ 0.50% · 4.625%
HK$48,223
+HK$2,415/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,616/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,227
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,789
−HK$1,588/mo
Today · 4.125%
HK$53,377
baseline
▲ 0.50% · 4.625%
HK$56,625
+HK$3,248/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,754/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,877
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$57,376
−HK$1,520/mo
Today · 4.125%
HK$58,896
baseline
▲ 0.50% · 4.625%
HK$62,000
+HK$3,104/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,792/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,895 · Scale 2, in force from 26 Feb 2026)