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$28,013
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,884
−HK$886/mo
Today · 4.125%
HK$29,770
baseline
▲ 0.50% · 4.625%
HK$31,581
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,540/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,164
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$848/mo
Today · 4.125%
HK$32,848
baseline
▲ 0.50% · 4.625%
HK$34,579
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,696/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,615
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,661
−HK$1,062/mo
Today · 4.125%
HK$35,723
baseline
▲ 0.50% · 4.625%
HK$37,897
+HK$2,174/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,446/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,397
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,400
−HK$1,017/mo
Today · 4.125%
HK$39,417
baseline
▲ 0.50% · 4.625%
HK$41,495
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,834/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,218
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,438
−HK$1,239/mo
Today · 4.125%
HK$41,677
baseline
▲ 0.50% · 4.625%
HK$44,213
+HK$2,536/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,354/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,630
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,800
−HK$1,187/mo
Today · 4.125%
HK$45,987
baseline
▲ 0.50% · 4.625%
HK$48,411
+HK$2,424/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,974/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,423
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,992
−HK$1,593/mo
Today · 4.125%
HK$53,585
baseline
▲ 0.50% · 4.625%
HK$56,846
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,170/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,095
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,600
−HK$1,526/mo
Today · 4.125%
HK$59,126
baseline
▲ 0.50% · 4.625%
HK$62,242
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,252/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,686 · Scale 2, in force from 26 Feb 2026)