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$28,020
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,892
−HK$885/mo
Today · 4.125%
HK$29,777
baseline
▲ 0.50% · 4.625%
HK$31,589
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,554/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,172
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,008
−HK$848/mo
Today · 4.125%
HK$32,856
baseline
▲ 0.50% · 4.625%
HK$34,588
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,712/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,624
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,670
−HK$1,063/mo
Today · 4.125%
HK$35,733
baseline
▲ 0.50% · 4.625%
HK$37,907
+HK$2,174/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,466/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,407
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,410
−HK$1,018/mo
Today · 4.125%
HK$39,428
baseline
▲ 0.50% · 4.625%
HK$41,506
+HK$2,078/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,856/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,228
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,448
−HK$1,240/mo
Today · 4.125%
HK$41,688
baseline
▲ 0.50% · 4.625%
HK$44,225
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,376/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,641
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,811
−HK$1,188/mo
Today · 4.125%
HK$45,999
baseline
▲ 0.50% · 4.625%
HK$48,423
+HK$2,424/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,998/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,436
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,005
−HK$1,594/mo
Today · 4.125%
HK$53,599
baseline
▲ 0.50% · 4.625%
HK$56,860
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,198/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,110
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,615
−HK$1,526/mo
Today · 4.125%
HK$59,141
baseline
▲ 0.50% · 4.625%
HK$62,259
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,282/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,807 · Scale 2, in force from 26 Feb 2026)