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$27,993
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,864
−HK$885/mo
Today · 4.125%
HK$29,749
baseline
▲ 0.50% · 4.625%
HK$31,559
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,498/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,142
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,978
−HK$847/mo
Today · 4.125%
HK$32,825
baseline
▲ 0.50% · 4.625%
HK$34,555
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,650/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,592
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$1,062/mo
Today · 4.125%
HK$35,699
baseline
▲ 0.50% · 4.625%
HK$37,871
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,398/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,371
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,373
−HK$1,017/mo
Today · 4.125%
HK$39,390
baseline
▲ 0.50% · 4.625%
HK$41,466
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,780/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,191
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,410
−HK$1,238/mo
Today · 4.125%
HK$41,648
baseline
▲ 0.50% · 4.625%
HK$44,183
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,296/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,599
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,769
−HK$1,186/mo
Today · 4.125%
HK$45,955
baseline
▲ 0.50% · 4.625%
HK$48,377
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,910/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,388
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,956
−HK$1,592/mo
Today · 4.125%
HK$53,548
baseline
▲ 0.50% · 4.625%
HK$56,806
+HK$3,258/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,096/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,056
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,560
−HK$1,525/mo
Today · 4.125%
HK$59,085
baseline
▲ 0.50% · 4.625%
HK$62,199
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,170/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,368 · Scale 2, in force from 26 Feb 2026)