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$27,994
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,865
−HK$885/mo
Today · 4.125%
HK$29,750
baseline
▲ 0.50% · 4.625%
HK$31,560
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,500/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,143
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,979
−HK$847/mo
Today · 4.125%
HK$32,826
baseline
▲ 0.50% · 4.625%
HK$34,556
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,652/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,593
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,638
−HK$1,062/mo
Today · 4.125%
HK$35,700
baseline
▲ 0.50% · 4.625%
HK$37,872
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,400/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,372
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,374
−HK$1,017/mo
Today · 4.125%
HK$39,391
baseline
▲ 0.50% · 4.625%
HK$41,467
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,782/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,192
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,411
−HK$1,239/mo
Today · 4.125%
HK$41,650
baseline
▲ 0.50% · 4.625%
HK$44,184
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,300/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,601
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,770
−HK$1,186/mo
Today · 4.125%
HK$45,956
baseline
▲ 0.50% · 4.625%
HK$48,379
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,912/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,390
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,957
−HK$1,592/mo
Today · 4.125%
HK$53,549
baseline
▲ 0.50% · 4.625%
HK$56,808
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,098/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,058
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,561
−HK$1,526/mo
Today · 4.125%
HK$59,087
baseline
▲ 0.50% · 4.625%
HK$62,201
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,174/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,380 · Scale 2, in force from 26 Feb 2026)