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$28,006
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,877
−HK$886/mo
Today · 4.125%
HK$29,763
baseline
▲ 0.50% · 4.625%
HK$31,573
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,526/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,157
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,992
−HK$848/mo
Today · 4.125%
HK$32,840
baseline
▲ 0.50% · 4.625%
HK$34,571
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,680/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,608
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,653
−HK$1,062/mo
Today · 4.125%
HK$35,715
baseline
▲ 0.50% · 4.625%
HK$37,888
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,430/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,388
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,391
−HK$1,017/mo
Today · 4.125%
HK$39,408
baseline
▲ 0.50% · 4.625%
HK$41,485
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,816/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,209
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,428
−HK$1,240/mo
Today · 4.125%
HK$41,668
baseline
▲ 0.50% · 4.625%
HK$44,203
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,336/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,619
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,789
−HK$1,187/mo
Today · 4.125%
HK$45,976
baseline
▲ 0.50% · 4.625%
HK$48,399
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,952/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,411
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,979
−HK$1,594/mo
Today · 4.125%
HK$53,573
baseline
▲ 0.50% · 4.625%
HK$56,832
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,146/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,082
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,586
−HK$1,526/mo
Today · 4.125%
HK$59,112
baseline
▲ 0.50% · 4.625%
HK$62,228
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,224/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,578 · Scale 2, in force from 26 Feb 2026)