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$27,977
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,848
−HK$884/mo
Today · 4.125%
HK$29,732
baseline
▲ 0.50% · 4.625%
HK$31,541
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,464/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,124
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,959
−HK$847/mo
Today · 4.125%
HK$32,806
baseline
▲ 0.50% · 4.625%
HK$34,535
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,612/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,573
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,617
−HK$1,061/mo
Today · 4.125%
HK$35,678
baseline
▲ 0.50% · 4.625%
HK$37,849
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,356/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,349
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,351
−HK$1,016/mo
Today · 4.125%
HK$39,367
baseline
▲ 0.50% · 4.625%
HK$41,442
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,734/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,168
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,387
−HK$1,237/mo
Today · 4.125%
HK$41,624
baseline
▲ 0.50% · 4.625%
HK$44,157
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,248/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,574
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,743
−HK$1,185/mo
Today · 4.125%
HK$45,928
baseline
▲ 0.50% · 4.625%
HK$48,349
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,856/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,359
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,926
−HK$1,591/mo
Today · 4.125%
HK$53,517
baseline
▲ 0.50% · 4.625%
HK$56,774
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,034/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,024
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,527
−HK$1,524/mo
Today · 4.125%
HK$59,051
baseline
▲ 0.50% · 4.625%
HK$62,164
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,102/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,102 · Scale 2, in force from 26 Feb 2026)