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$28,014
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,886
−HK$885/mo
Today · 4.125%
HK$29,771
baseline
▲ 0.50% · 4.625%
HK$31,582
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,542/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,001
−HK$848/mo
Today · 4.125%
HK$32,849
baseline
▲ 0.50% · 4.625%
HK$34,581
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,698/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,617
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,663
−HK$1,062/mo
Today · 4.125%
HK$35,725
baseline
▲ 0.50% · 4.625%
HK$37,899
+HK$2,174/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,450/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,399
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,402
−HK$1,017/mo
Today · 4.125%
HK$39,419
baseline
▲ 0.50% · 4.625%
HK$41,497
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,838/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,220
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,440
−HK$1,239/mo
Today · 4.125%
HK$41,679
baseline
▲ 0.50% · 4.625%
HK$44,215
+HK$2,536/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,358/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,632
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,802
−HK$1,187/mo
Today · 4.125%
HK$45,989
baseline
▲ 0.50% · 4.625%
HK$48,413
+HK$2,424/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,978/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,426
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,994
−HK$1,594/mo
Today · 4.125%
HK$53,588
baseline
▲ 0.50% · 4.625%
HK$56,848
+HK$3,260/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,176/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,098
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,602
−HK$1,527/mo
Today · 4.125%
HK$59,129
baseline
▲ 0.50% · 4.625%
HK$62,245
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,258/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,708 · Scale 2, in force from 26 Feb 2026)