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$27,983
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,854
−HK$884/mo
Today · 4.125%
HK$29,738
baseline
▲ 0.50% · 4.625%
HK$31,548
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,476/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,131
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,966
−HK$847/mo
Today · 4.125%
HK$32,813
baseline
▲ 0.50% · 4.625%
HK$34,543
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,626/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,580
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$1,061/mo
Today · 4.125%
HK$35,686
baseline
▲ 0.50% · 4.625%
HK$37,857
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,372/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,357
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,359
−HK$1,017/mo
Today · 4.125%
HK$39,376
baseline
▲ 0.50% · 4.625%
HK$41,451
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,752/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,177
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,395
−HK$1,238/mo
Today · 4.125%
HK$41,633
baseline
▲ 0.50% · 4.625%
HK$44,167
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,266/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,584
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,753
−HK$1,185/mo
Today · 4.125%
HK$45,938
baseline
▲ 0.50% · 4.625%
HK$48,360
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,876/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,370
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,937
−HK$1,592/mo
Today · 4.125%
HK$53,529
baseline
▲ 0.50% · 4.625%
HK$56,786
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,058/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,036
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,539
−HK$1,525/mo
Today · 4.125%
HK$59,064
baseline
▲ 0.50% · 4.625%
HK$62,177
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,128/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,202 · Scale 2, in force from 26 Feb 2026)