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$27,985
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,856
−HK$884/mo
Today · 4.125%
HK$29,740
baseline
▲ 0.50% · 4.625%
HK$31,550
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,480/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,133
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,968
−HK$847/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,545
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,582
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,627
−HK$1,061/mo
Today · 4.125%
HK$35,688
baseline
▲ 0.50% · 4.625%
HK$37,859
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,376/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,360
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,362
−HK$1,016/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,454
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,179
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,398
−HK$1,238/mo
Today · 4.125%
HK$41,636
baseline
▲ 0.50% · 4.625%
HK$44,169
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,272/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,586
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,755
−HK$1,186/mo
Today · 4.125%
HK$45,941
baseline
▲ 0.50% · 4.625%
HK$48,363
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,882/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,373
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,940
−HK$1,592/mo
Today · 4.125%
HK$53,532
baseline
▲ 0.50% · 4.625%
HK$56,789
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,064/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,040
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,542
−HK$1,525/mo
Today · 4.125%
HK$59,067
baseline
▲ 0.50% · 4.625%
HK$62,181
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,134/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,229 · Scale 2, in force from 26 Feb 2026)