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$27,963
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,832
−HK$884/mo
Today · 4.125%
HK$29,716
baseline
▲ 0.50% · 4.625%
HK$31,524
+HK$1,808/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,432/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,108
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,942
−HK$847/mo
Today · 4.125%
HK$32,789
baseline
▲ 0.50% · 4.625%
HK$34,517
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,578/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,555
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,599
−HK$1,060/mo
Today · 4.125%
HK$35,659
baseline
▲ 0.50% · 4.625%
HK$37,829
+HK$2,170/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,318/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,330
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,331
−HK$1,016/mo
Today · 4.125%
HK$39,347
baseline
▲ 0.50% · 4.625%
HK$41,421
+HK$2,074/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,694/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$459,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,148
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,365
−HK$1,238/mo
Today · 4.125%
HK$41,603
baseline
▲ 0.50% · 4.625%
HK$44,134
+HK$2,531/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,206/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,551
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,719
−HK$1,185/mo
Today · 4.125%
HK$45,904
baseline
▲ 0.50% · 4.625%
HK$48,324
+HK$2,420/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,808/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,333
−HK$3,156/mo
▼ 0.25% · 3.875%
HK$51,898
−HK$1,591/mo
Today · 4.125%
HK$53,489
baseline
▲ 0.50% · 4.625%
HK$56,744
+HK$3,255/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$106,978/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,995
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$57,496
−HK$1,524/mo
Today · 4.125%
HK$59,020
baseline
▲ 0.50% · 4.625%
HK$62,131
+HK$3,111/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,040/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,861 · Scale 2, in force from 26 Feb 2026)