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$28,014
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,885
−HK$885/mo
Today · 4.125%
HK$29,770
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,540/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,001
−HK$848/mo
Today · 4.125%
HK$32,849
baseline
▲ 0.50% · 4.625%
HK$34,580
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,698/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,616
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,662
−HK$1,063/mo
Today · 4.125%
HK$35,725
baseline
▲ 0.50% · 4.625%
HK$37,898
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,450/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,398
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,401
−HK$1,017/mo
Today · 4.125%
HK$39,418
baseline
▲ 0.50% · 4.625%
HK$41,496
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,836/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,219
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,439
−HK$1,240/mo
Today · 4.125%
HK$41,679
baseline
▲ 0.50% · 4.625%
HK$44,215
+HK$2,536/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,358/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,631
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,801
−HK$1,187/mo
Today · 4.125%
HK$45,988
baseline
▲ 0.50% · 4.625%
HK$48,412
+HK$2,424/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,976/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,425
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,993
−HK$1,594/mo
Today · 4.125%
HK$53,587
baseline
▲ 0.50% · 4.625%
HK$56,847
+HK$3,260/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,174/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,097
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,601
−HK$1,527/mo
Today · 4.125%
HK$59,128
baseline
▲ 0.50% · 4.625%
HK$62,244
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,256/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,701 · Scale 2, in force from 26 Feb 2026)