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$27,981
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,852
−HK$884/mo
Today · 4.125%
HK$29,736
baseline
▲ 0.50% · 4.625%
HK$31,545
+HK$1,809/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,472/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,129
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$847/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,540
+HK$1,729/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,622/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,578
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,622
−HK$1,061/mo
Today · 4.125%
HK$35,683
baseline
▲ 0.50% · 4.625%
HK$37,855
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,366/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,355
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,357
−HK$1,016/mo
Today · 4.125%
HK$39,373
baseline
▲ 0.50% · 4.625%
HK$41,448
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,746/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,174
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,392
−HK$1,238/mo
Today · 4.125%
HK$41,630
baseline
▲ 0.50% · 4.625%
HK$44,164
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,260/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,581
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,749
−HK$1,186/mo
Today · 4.125%
HK$45,935
baseline
▲ 0.50% · 4.625%
HK$48,356
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,870/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,366
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,933
−HK$1,592/mo
Today · 4.125%
HK$53,525
baseline
▲ 0.50% · 4.625%
HK$56,782
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,050/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,032
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,535
−HK$1,524/mo
Today · 4.125%
HK$59,059
baseline
▲ 0.50% · 4.625%
HK$62,173
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,118/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,169 · Scale 2, in force from 26 Feb 2026)