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$27,985
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,855
−HK$885/mo
Today · 4.125%
HK$29,740
baseline
▲ 0.50% · 4.625%
HK$31,549
+HK$1,809/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,480/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,133
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,968
−HK$847/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,544
+HK$1,729/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,582
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,626
−HK$1,061/mo
Today · 4.125%
HK$35,687
baseline
▲ 0.50% · 4.625%
HK$37,859
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,374/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,359
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,361
−HK$1,017/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,453
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,179
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,397
−HK$1,238/mo
Today · 4.125%
HK$41,635
baseline
▲ 0.50% · 4.625%
HK$44,169
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,270/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,586
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,755
−HK$1,186/mo
Today · 4.125%
HK$45,941
baseline
▲ 0.50% · 4.625%
HK$48,362
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,882/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,372
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,939
−HK$1,592/mo
Today · 4.125%
HK$53,531
baseline
▲ 0.50% · 4.625%
HK$56,788
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,062/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,039
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,542
−HK$1,524/mo
Today · 4.125%
HK$59,066
baseline
▲ 0.50% · 4.625%
HK$62,180
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,132/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,223 · Scale 2, in force from 26 Feb 2026)