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$28,001
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,872
−HK$885/mo
Today · 4.125%
HK$29,757
baseline
▲ 0.50% · 4.625%
HK$31,568
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,514/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,151
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,987
−HK$847/mo
Today · 4.125%
HK$32,834
baseline
▲ 0.50% · 4.625%
HK$34,565
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,668/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,602
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,647
−HK$1,062/mo
Today · 4.125%
HK$35,709
baseline
▲ 0.50% · 4.625%
HK$37,882
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,418/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,382
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,384
−HK$1,017/mo
Today · 4.125%
HK$39,401
baseline
▲ 0.50% · 4.625%
HK$41,478
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,802/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,202
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,421
−HK$1,239/mo
Today · 4.125%
HK$41,660
baseline
▲ 0.50% · 4.625%
HK$44,195
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,320/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,612
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,781
−HK$1,187/mo
Today · 4.125%
HK$45,968
baseline
▲ 0.50% · 4.625%
HK$48,391
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,936/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,402
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,970
−HK$1,593/mo
Today · 4.125%
HK$53,563
baseline
▲ 0.50% · 4.625%
HK$56,822
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,126/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,072
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,576
−HK$1,526/mo
Today · 4.125%
HK$59,102
baseline
▲ 0.50% · 4.625%
HK$62,217
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,204/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,498 · Scale 2, in force from 26 Feb 2026)