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$28,007
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,879
−HK$885/mo
Today · 4.125%
HK$29,764
baseline
▲ 0.50% · 4.625%
HK$31,575
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,528/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,158
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,994
−HK$847/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,572
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,609
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,654
−HK$1,062/mo
Today · 4.125%
HK$35,716
baseline
▲ 0.50% · 4.625%
HK$37,890
+HK$2,174/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,432/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,389
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,392
−HK$1,017/mo
Today · 4.125%
HK$39,409
baseline
▲ 0.50% · 4.625%
HK$41,487
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,818/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,210
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,430
−HK$1,239/mo
Today · 4.125%
HK$41,669
baseline
▲ 0.50% · 4.625%
HK$44,205
+HK$2,536/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,338/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,621
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,791
−HK$1,187/mo
Today · 4.125%
HK$45,978
baseline
▲ 0.50% · 4.625%
HK$48,401
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,956/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,413
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,981
−HK$1,594/mo
Today · 4.125%
HK$53,575
baseline
▲ 0.50% · 4.625%
HK$56,834
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,150/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,084
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,588
−HK$1,526/mo
Today · 4.125%
HK$59,114
baseline
▲ 0.50% · 4.625%
HK$62,230
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,228/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,596 · Scale 2, in force from 26 Feb 2026)