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$27,990
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$884/mo
Today · 4.125%
HK$29,745
baseline
▲ 0.50% · 4.625%
HK$31,555
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,490/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,139
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,974
−HK$847/mo
Today · 4.125%
HK$32,821
baseline
▲ 0.50% · 4.625%
HK$34,551
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,642/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,588
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,633
−HK$1,061/mo
Today · 4.125%
HK$35,694
baseline
▲ 0.50% · 4.625%
HK$37,866
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,388/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,366
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,368
−HK$1,017/mo
Today · 4.125%
HK$39,385
baseline
▲ 0.50% · 4.625%
HK$41,461
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,770/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,186
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,405
−HK$1,238/mo
Today · 4.125%
HK$41,643
baseline
▲ 0.50% · 4.625%
HK$44,177
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,286/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,594
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,763
−HK$1,186/mo
Today · 4.125%
HK$45,949
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,898/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,382
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,949
−HK$1,592/mo
Today · 4.125%
HK$53,541
baseline
▲ 0.50% · 4.625%
HK$56,799
+HK$3,258/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,082/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,049
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,553
−HK$1,524/mo
Today · 4.125%
HK$59,077
baseline
▲ 0.50% · 4.625%
HK$62,192
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,154/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,309 · Scale 2, in force from 26 Feb 2026)