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$27,987
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,858
−HK$884/mo
Today · 4.125%
HK$29,742
baseline
▲ 0.50% · 4.625%
HK$31,552
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,484/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,135
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,970
−HK$848/mo
Today · 4.125%
HK$32,818
baseline
▲ 0.50% · 4.625%
HK$34,547
+HK$1,729/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,636/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,585
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,629
−HK$1,062/mo
Today · 4.125%
HK$35,691
baseline
▲ 0.50% · 4.625%
HK$37,862
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,382/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,362
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,364
−HK$1,017/mo
Today · 4.125%
HK$39,381
baseline
▲ 0.50% · 4.625%
HK$41,457
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,762/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,182
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,401
−HK$1,238/mo
Today · 4.125%
HK$41,639
baseline
▲ 0.50% · 4.625%
HK$44,173
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,278/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,590
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,759
−HK$1,186/mo
Today · 4.125%
HK$45,945
baseline
▲ 0.50% · 4.625%
HK$48,366
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,890/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,377
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,944
−HK$1,592/mo
Today · 4.125%
HK$53,536
baseline
▲ 0.50% · 4.625%
HK$56,793
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,072/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,044
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,547
−HK$1,525/mo
Today · 4.125%
HK$59,072
baseline
▲ 0.50% · 4.625%
HK$62,185
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,144/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,263 · Scale 2, in force from 26 Feb 2026)