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$28,004
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,875
−HK$885/mo
Today · 4.125%
HK$29,760
baseline
▲ 0.50% · 4.625%
HK$31,571
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,520/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,154
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,990
−HK$847/mo
Today · 4.125%
HK$32,837
baseline
▲ 0.50% · 4.625%
HK$34,568
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,674/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,605
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,650
−HK$1,062/mo
Today · 4.125%
HK$35,712
baseline
▲ 0.50% · 4.625%
HK$37,885
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,424/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,385
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,388
−HK$1,017/mo
Today · 4.125%
HK$39,405
baseline
▲ 0.50% · 4.625%
HK$41,482
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,810/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,206
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,425
−HK$1,239/mo
Today · 4.125%
HK$41,664
baseline
▲ 0.50% · 4.625%
HK$44,199
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,328/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,616
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,785
−HK$1,187/mo
Today · 4.125%
HK$45,972
baseline
▲ 0.50% · 4.625%
HK$48,395
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,944/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,407
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,975
−HK$1,593/mo
Today · 4.125%
HK$53,568
baseline
▲ 0.50% · 4.625%
HK$56,828
+HK$3,260/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,136/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,077
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,581
−HK$1,526/mo
Today · 4.125%
HK$59,107
baseline
▲ 0.50% · 4.625%
HK$62,223
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,214/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,540 · Scale 2, in force from 26 Feb 2026)