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$28,010
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,882
−HK$885/mo
Today · 4.125%
HK$29,767
baseline
▲ 0.50% · 4.625%
HK$31,578
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,534/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,161
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$31,997
−HK$848/mo
Today · 4.125%
HK$32,845
baseline
▲ 0.50% · 4.625%
HK$34,576
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,690/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,612
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,658
−HK$1,062/mo
Today · 4.125%
HK$35,720
baseline
▲ 0.50% · 4.625%
HK$37,894
+HK$2,174/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,440/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,393
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,396
−HK$1,018/mo
Today · 4.125%
HK$39,414
baseline
▲ 0.50% · 4.625%
HK$41,491
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,828/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,214
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,434
−HK$1,240/mo
Today · 4.125%
HK$41,674
baseline
▲ 0.50% · 4.625%
HK$44,209
+HK$2,535/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,348/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,626
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,796
−HK$1,187/mo
Today · 4.125%
HK$45,983
baseline
▲ 0.50% · 4.625%
HK$48,406
+HK$2,423/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,966/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,419
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,987
−HK$1,593/mo
Today · 4.125%
HK$53,580
baseline
▲ 0.50% · 4.625%
HK$56,840
+HK$3,260/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,160/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,090
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,594
−HK$1,526/mo
Today · 4.125%
HK$59,120
baseline
▲ 0.50% · 4.625%
HK$62,237
+HK$3,117/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,240/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,644 · Scale 2, in force from 26 Feb 2026)