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$27,979
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,850
−HK$884/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,543
+HK$1,809/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,468/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,127
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,962
−HK$846/mo
Today · 4.125%
HK$32,808
baseline
▲ 0.50% · 4.625%
HK$34,538
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,616/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,575
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,620
−HK$1,061/mo
Today · 4.125%
HK$35,681
baseline
▲ 0.50% · 4.625%
HK$37,852
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,362/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,352
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,354
−HK$1,016/mo
Today · 4.125%
HK$39,370
baseline
▲ 0.50% · 4.625%
HK$41,445
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,740/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,171
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,389
−HK$1,238/mo
Today · 4.125%
HK$41,627
baseline
▲ 0.50% · 4.625%
HK$44,160
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,254/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,577
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,746
−HK$1,186/mo
Today · 4.125%
HK$45,932
baseline
▲ 0.50% · 4.625%
HK$48,353
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,864/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,363
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,929
−HK$1,592/mo
Today · 4.125%
HK$53,521
baseline
▲ 0.50% · 4.625%
HK$56,778
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,042/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,028
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,531
−HK$1,524/mo
Today · 4.125%
HK$59,055
baseline
▲ 0.50% · 4.625%
HK$62,168
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,110/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,135 · Scale 2, in force from 26 Feb 2026)