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$28,015
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,886
−HK$885/mo
Today · 4.125%
HK$29,771
baseline
▲ 0.50% · 4.625%
HK$31,583
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,542/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,166
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,002
−HK$848/mo
Today · 4.125%
HK$32,850
baseline
▲ 0.50% · 4.625%
HK$34,581
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,700/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,618
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,663
−HK$1,063/mo
Today · 4.125%
HK$35,726
baseline
▲ 0.50% · 4.625%
HK$37,900
+HK$2,174/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,452/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,399
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,402
−HK$1,018/mo
Today · 4.125%
HK$39,420
baseline
▲ 0.50% · 4.625%
HK$41,498
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,840/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,221
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,441
−HK$1,239/mo
Today · 4.125%
HK$41,680
baseline
▲ 0.50% · 4.625%
HK$44,216
+HK$2,536/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,360/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,633
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,803
−HK$1,187/mo
Today · 4.125%
HK$45,990
baseline
▲ 0.50% · 4.625%
HK$48,414
+HK$2,424/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,980/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,427
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,995
−HK$1,594/mo
Today · 4.125%
HK$53,589
baseline
▲ 0.50% · 4.625%
HK$56,849
+HK$3,260/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,178/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,099
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,604
−HK$1,526/mo
Today · 4.125%
HK$59,130
baseline
▲ 0.50% · 4.625%
HK$62,247
+HK$3,117/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,260/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,717 · Scale 2, in force from 26 Feb 2026)