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$27,995
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,866
−HK$884/mo
Today · 4.125%
HK$29,750
baseline
▲ 0.50% · 4.625%
HK$31,561
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,500/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,144
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,979
−HK$848/mo
Today · 4.125%
HK$32,827
baseline
▲ 0.50% · 4.625%
HK$34,557
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,654/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,594
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,639
−HK$1,061/mo
Today · 4.125%
HK$35,700
baseline
▲ 0.50% · 4.625%
HK$37,873
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,400/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,373
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,375
−HK$1,017/mo
Today · 4.125%
HK$39,392
baseline
▲ 0.50% · 4.625%
HK$41,468
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,784/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,193
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,412
−HK$1,239/mo
Today · 4.125%
HK$41,651
baseline
▲ 0.50% · 4.625%
HK$44,185
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,302/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,602
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,771
−HK$1,186/mo
Today · 4.125%
HK$45,957
baseline
▲ 0.50% · 4.625%
HK$48,380
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,914/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,391
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,958
−HK$1,593/mo
Today · 4.125%
HK$53,551
baseline
▲ 0.50% · 4.625%
HK$56,809
+HK$3,258/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,102/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,059
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,563
−HK$1,525/mo
Today · 4.125%
HK$59,088
baseline
▲ 0.50% · 4.625%
HK$62,202
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,176/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,390 · Scale 2, in force from 26 Feb 2026)