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$28,885
−HK$885/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$460,693 · 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$34,580
+HK$1,732/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$460,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,616
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,662
−HK$1,062/mo
Today · 4.125%
HK$35,724
baseline
▲ 0.50% · 4.625%
HK$37,898
+HK$2,174/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,448/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,397
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,400
−HK$1,018/mo
Today · 4.125%
HK$39,418
baseline
▲ 0.50% · 4.625%
HK$41,496
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,836/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,219
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,438
−HK$1,240/mo
Today · 4.125%
HK$41,678
baseline
▲ 0.50% · 4.625%
HK$44,214
+HK$2,536/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,356/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,693 · 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$460,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,424
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,992
−HK$1,594/mo
Today · 4.125%
HK$53,586
baseline
▲ 0.50% · 4.625%
HK$56,846
+HK$3,260/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,172/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,096
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,600
−HK$1,527/mo
Today · 4.125%
HK$59,127
baseline
▲ 0.50% · 4.625%
HK$62,243
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,254/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,693 · Scale 2, in force from 26 Feb 2026)