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$27,992
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,863
−HK$885/mo
Today · 4.125%
HK$29,748
baseline
▲ 0.50% · 4.625%
HK$31,558
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,496/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,141
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,976
−HK$847/mo
Today · 4.125%
HK$32,823
baseline
▲ 0.50% · 4.625%
HK$34,554
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,646/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,591
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,635
−HK$1,062/mo
Today · 4.125%
HK$35,697
baseline
▲ 0.50% · 4.625%
HK$37,869
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,394/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,369
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,371
−HK$1,017/mo
Today · 4.125%
HK$39,388
baseline
▲ 0.50% · 4.625%
HK$41,464
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,776/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,189
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,408
−HK$1,239/mo
Today · 4.125%
HK$41,647
baseline
▲ 0.50% · 4.625%
HK$44,181
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,294/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,597
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,767
−HK$1,186/mo
Today · 4.125%
HK$45,953
baseline
▲ 0.50% · 4.625%
HK$48,375
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,906/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,386
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,953
−HK$1,593/mo
Today · 4.125%
HK$53,546
baseline
▲ 0.50% · 4.625%
HK$56,804
+HK$3,258/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,092/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,054
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,557
−HK$1,525/mo
Today · 4.125%
HK$59,082
baseline
▲ 0.50% · 4.625%
HK$62,197
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,164/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,347 · Scale 2, in force from 26 Feb 2026)