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$1,754/mo
▼ 0.25% · 3.875%
HK$28,847
−HK$884/mo
Today · 4.125%
HK$29,731
baseline
▲ 0.50% · 4.625%
HK$31,540
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,462/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,124
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,958
−HK$847/mo
Today · 4.125%
HK$32,805
baseline
▲ 0.50% · 4.625%
HK$34,534
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,610/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,616
−HK$1,061/mo
Today · 4.125%
HK$35,677
baseline
▲ 0.50% · 4.625%
HK$37,848
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,354/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,348
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,350
−HK$1,016/mo
Today · 4.125%
HK$39,366
baseline
▲ 0.50% · 4.625%
HK$41,441
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,732/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,167
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,237/mo
Today · 4.125%
HK$41,623
baseline
▲ 0.50% · 4.625%
HK$44,156
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,246/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,573
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,742
−HK$1,185/mo
Today · 4.125%
HK$45,927
baseline
▲ 0.50% · 4.625%
HK$48,348
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,854/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,358
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,924
−HK$1,592/mo
Today · 4.125%
HK$53,516
baseline
▲ 0.50% · 4.625%
HK$56,772
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,032/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,023
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,525
−HK$1,524/mo
Today · 4.125%
HK$59,049
baseline
▲ 0.50% · 4.625%
HK$62,162
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,098/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,091 · Scale 2, in force from 26 Feb 2026)