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$28,038
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$28,910
−HK$887/mo
Today · 4.125%
HK$29,797
baseline
▲ 0.50% · 4.625%
HK$31,610
+HK$1,813/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,594/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,192
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$32,029
−HK$849/mo
Today · 4.125%
HK$32,878
baseline
▲ 0.50% · 4.625%
HK$34,611
+HK$1,733/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,756/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,693
−HK$1,063/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,932
+HK$2,176/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,435
−HK$1,018/mo
Today · 4.125%
HK$39,453
baseline
▲ 0.50% · 4.625%
HK$41,533
+HK$2,080/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,906/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,254
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,475
−HK$1,240/mo
Today · 4.125%
HK$41,715
baseline
▲ 0.50% · 4.625%
HK$44,253
+HK$2,538/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,430/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,669
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,841
−HK$1,188/mo
Today · 4.125%
HK$46,029
baseline
▲ 0.50% · 4.625%
HK$48,455
+HK$2,426/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,058/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,469
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,039
−HK$1,595/mo
Today · 4.125%
HK$53,634
baseline
▲ 0.50% · 4.625%
HK$56,897
+HK$3,263/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$107,268/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,146
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,652
−HK$1,528/mo
Today · 4.125%
HK$59,180
baseline
▲ 0.50% · 4.625%
HK$62,299
+HK$3,119/mo
Deposit HK$1.23M · loan HK$11.07M · min. income ≈ HK$118,360/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,105 · Scale 2, in force from 26 Feb 2026)