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$28,018
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,890
−HK$885/mo
Today · 4.125%
HK$29,775
baseline
▲ 0.50% · 4.625%
HK$31,587
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,550/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,170
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,006
−HK$848/mo
Today · 4.125%
HK$32,854
baseline
▲ 0.50% · 4.625%
HK$34,586
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,708/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,622
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$1,062/mo
Today · 4.125%
HK$35,730
baseline
▲ 0.50% · 4.625%
HK$37,904
+HK$2,174/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,460/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,404
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,407
−HK$1,018/mo
Today · 4.125%
HK$39,425
baseline
▲ 0.50% · 4.625%
HK$41,503
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,850/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,225
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,446
−HK$1,239/mo
Today · 4.125%
HK$41,685
baseline
▲ 0.50% · 4.625%
HK$44,222
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,370/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,638
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,808
−HK$1,188/mo
Today · 4.125%
HK$45,996
baseline
▲ 0.50% · 4.625%
HK$48,420
+HK$2,424/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,992/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,433
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$52,001
−HK$1,594/mo
Today · 4.125%
HK$53,595
baseline
▲ 0.50% · 4.625%
HK$56,856
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,190/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,106
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,611
−HK$1,526/mo
Today · 4.125%
HK$59,137
baseline
▲ 0.50% · 4.625%
HK$62,254
+HK$3,117/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,274/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,774 · Scale 2, in force from 26 Feb 2026)