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$27,980
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,850
−HK$884/mo
Today · 4.125%
HK$29,734
baseline
▲ 0.50% · 4.625%
HK$31,544
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,468/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,127
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,962
−HK$847/mo
Today · 4.125%
HK$32,809
baseline
▲ 0.50% · 4.625%
HK$34,538
+HK$1,729/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,618/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,576
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,620
−HK$1,061/mo
Today · 4.125%
HK$35,681
baseline
▲ 0.50% · 4.625%
HK$37,852
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,362/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,353
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,354
−HK$1,017/mo
Today · 4.125%
HK$39,371
baseline
▲ 0.50% · 4.625%
HK$41,446
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,742/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,172
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,390
−HK$1,238/mo
Today · 4.125%
HK$41,628
baseline
▲ 0.50% · 4.625%
HK$44,161
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,256/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,578
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,747
−HK$1,186/mo
Today · 4.125%
HK$45,933
baseline
▲ 0.50% · 4.625%
HK$48,354
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,866/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,364
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,930
−HK$1,592/mo
Today · 4.125%
HK$53,522
baseline
▲ 0.50% · 4.625%
HK$56,779
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,044/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,029
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,532
−HK$1,524/mo
Today · 4.125%
HK$59,056
baseline
▲ 0.50% · 4.625%
HK$62,169
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,112/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,143 · Scale 2, in force from 26 Feb 2026)