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$28,003
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,874
−HK$885/mo
Today · 4.125%
HK$29,759
baseline
▲ 0.50% · 4.625%
HK$31,569
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,518/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,153
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,988
−HK$848/mo
Today · 4.125%
HK$32,836
baseline
▲ 0.50% · 4.625%
HK$34,567
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,672/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,603
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,648
−HK$1,062/mo
Today · 4.125%
HK$35,710
baseline
▲ 0.50% · 4.625%
HK$37,883
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,420/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,383
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,386
−HK$1,017/mo
Today · 4.125%
HK$39,403
baseline
▲ 0.50% · 4.625%
HK$41,480
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,806/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,204
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,423
−HK$1,239/mo
Today · 4.125%
HK$41,662
baseline
▲ 0.50% · 4.625%
HK$44,197
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,324/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,614
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,783
−HK$1,187/mo
Today · 4.125%
HK$45,970
baseline
▲ 0.50% · 4.625%
HK$48,393
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,940/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,405
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,973
−HK$1,593/mo
Today · 4.125%
HK$53,566
baseline
▲ 0.50% · 4.625%
HK$56,825
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,132/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,075
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,579
−HK$1,525/mo
Today · 4.125%
HK$59,104
baseline
▲ 0.50% · 4.625%
HK$62,220
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,208/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,518 · Scale 2, in force from 26 Feb 2026)