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$28,019
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,890
−HK$886/mo
Today · 4.125%
HK$29,776
baseline
▲ 0.50% · 4.625%
HK$31,587
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,552/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,171
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,006
−HK$849/mo
Today · 4.125%
HK$32,855
baseline
▲ 0.50% · 4.625%
HK$34,586
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,710/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,622
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$1,063/mo
Today · 4.125%
HK$35,731
baseline
▲ 0.50% · 4.625%
HK$37,905
+HK$2,174/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,462/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,405
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,408
−HK$1,017/mo
Today · 4.125%
HK$39,425
baseline
▲ 0.50% · 4.625%
HK$41,504
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,850/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,226
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,446
−HK$1,240/mo
Today · 4.125%
HK$41,686
baseline
▲ 0.50% · 4.625%
HK$44,222
+HK$2,536/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,372/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,639
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,809
−HK$1,187/mo
Today · 4.125%
HK$45,996
baseline
▲ 0.50% · 4.625%
HK$48,421
+HK$2,425/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$460,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,434
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$52,002
−HK$1,594/mo
Today · 4.125%
HK$53,596
baseline
▲ 0.50% · 4.625%
HK$56,857
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,192/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,107
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,612
−HK$1,526/mo
Today · 4.125%
HK$59,138
baseline
▲ 0.50% · 4.625%
HK$62,255
+HK$3,117/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,276/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,782 · Scale 2, in force from 26 Feb 2026)