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$27,986
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,856
−HK$885/mo
Today · 4.125%
HK$29,741
baseline
▲ 0.50% · 4.625%
HK$31,550
+HK$1,809/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,482/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,134
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,969
−HK$847/mo
Today · 4.125%
HK$32,816
baseline
▲ 0.50% · 4.625%
HK$34,546
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,632/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,583
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,628
−HK$1,061/mo
Today · 4.125%
HK$35,689
baseline
▲ 0.50% · 4.625%
HK$37,860
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,378/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,361
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,363
−HK$1,016/mo
Today · 4.125%
HK$39,379
baseline
▲ 0.50% · 4.625%
HK$41,455
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,758/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,180
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,399
−HK$1,238/mo
Today · 4.125%
HK$41,637
baseline
▲ 0.50% · 4.625%
HK$44,171
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,274/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,587
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,756
−HK$1,186/mo
Today · 4.125%
HK$45,942
baseline
▲ 0.50% · 4.625%
HK$48,364
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,884/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,374
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,941
−HK$1,592/mo
Today · 4.125%
HK$53,533
baseline
▲ 0.50% · 4.625%
HK$56,791
+HK$3,258/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,066/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,041
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,544
−HK$1,525/mo
Today · 4.125%
HK$59,069
baseline
▲ 0.50% · 4.625%
HK$62,182
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,138/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,241 · Scale 2, in force from 26 Feb 2026)