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$28,017
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,889
−HK$885/mo
Today · 4.125%
HK$29,774
baseline
▲ 0.50% · 4.625%
HK$31,586
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,548/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,169
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,005
−HK$848/mo
Today · 4.125%
HK$32,853
baseline
▲ 0.50% · 4.625%
HK$34,585
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,706/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,621
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,666
−HK$1,063/mo
Today · 4.125%
HK$35,729
baseline
▲ 0.50% · 4.625%
HK$37,903
+HK$2,174/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,458/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,403
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,406
−HK$1,017/mo
Today · 4.125%
HK$39,423
baseline
▲ 0.50% · 4.625%
HK$41,501
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,846/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,224
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,444
−HK$1,240/mo
Today · 4.125%
HK$41,684
baseline
▲ 0.50% · 4.625%
HK$44,220
+HK$2,536/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,368/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,636
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,807
−HK$1,187/mo
Today · 4.125%
HK$45,994
baseline
▲ 0.50% · 4.625%
HK$48,418
+HK$2,424/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,988/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,431
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$52,000
−HK$1,593/mo
Today · 4.125%
HK$53,593
baseline
▲ 0.50% · 4.625%
HK$56,854
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,186/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,104
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,609
−HK$1,526/mo
Today · 4.125%
HK$59,135
baseline
▲ 0.50% · 4.625%
HK$62,252
+HK$3,117/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,270/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,758 · Scale 2, in force from 26 Feb 2026)