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$28,022
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,894
−HK$885/mo
Today · 4.125%
HK$29,779
baseline
▲ 0.50% · 4.625%
HK$31,591
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,558/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,174
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,010
−HK$849/mo
Today · 4.125%
HK$32,859
baseline
▲ 0.50% · 4.625%
HK$34,591
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,718/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,627
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,672
−HK$1,063/mo
Today · 4.125%
HK$35,735
baseline
▲ 0.50% · 4.625%
HK$37,910
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,470/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,409
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,412
−HK$1,018/mo
Today · 4.125%
HK$39,430
baseline
▲ 0.50% · 4.625%
HK$41,509
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,860/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,231
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,451
−HK$1,240/mo
Today · 4.125%
HK$41,691
baseline
▲ 0.50% · 4.625%
HK$44,228
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,382/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,644
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,815
−HK$1,187/mo
Today · 4.125%
HK$46,002
baseline
▲ 0.50% · 4.625%
HK$48,427
+HK$2,425/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,004/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,440
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,009
−HK$1,594/mo
Today · 4.125%
HK$53,603
baseline
▲ 0.50% · 4.625%
HK$56,864
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,206/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,114
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,619
−HK$1,526/mo
Today · 4.125%
HK$59,145
baseline
▲ 0.50% · 4.625%
HK$62,263
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,290/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,838 · Scale 2, in force from 26 Feb 2026)