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$27,982
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,852
−HK$884/mo
Today · 4.125%
HK$29,736
baseline
▲ 0.50% · 4.625%
HK$31,546
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,472/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,129
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$847/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,541
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,622/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,578
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,622
−HK$1,062/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,855
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,355
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,357
−HK$1,016/mo
Today · 4.125%
HK$39,373
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,746/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,174
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,393
−HK$1,238/mo
Today · 4.125%
HK$41,631
baseline
▲ 0.50% · 4.625%
HK$44,164
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,262/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,581
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,750
−HK$1,186/mo
Today · 4.125%
HK$45,936
baseline
▲ 0.50% · 4.625%
HK$48,357
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,872/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,367
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,934
−HK$1,591/mo
Today · 4.125%
HK$53,525
baseline
▲ 0.50% · 4.625%
HK$56,782
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,050/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,033
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,536
−HK$1,524/mo
Today · 4.125%
HK$59,060
baseline
▲ 0.50% · 4.625%
HK$62,173
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,120/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,174 · Scale 2, in force from 26 Feb 2026)