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$27,984
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,854
−HK$885/mo
Today · 4.125%
HK$29,739
baseline
▲ 0.50% · 4.625%
HK$31,548
+HK$1,809/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,478/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,132
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,967
−HK$847/mo
Today · 4.125%
HK$32,814
baseline
▲ 0.50% · 4.625%
HK$34,544
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,628/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,581
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$1,062/mo
Today · 4.125%
HK$35,687
baseline
▲ 0.50% · 4.625%
HK$37,858
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,374/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,358
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,360
−HK$1,017/mo
Today · 4.125%
HK$39,377
baseline
▲ 0.50% · 4.625%
HK$41,452
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,754/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,178
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,396
−HK$1,238/mo
Today · 4.125%
HK$41,634
baseline
▲ 0.50% · 4.625%
HK$44,168
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,268/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,585
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,754
−HK$1,185/mo
Today · 4.125%
HK$45,939
baseline
▲ 0.50% · 4.625%
HK$48,361
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,878/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,371
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,938
−HK$1,592/mo
Today · 4.125%
HK$53,530
baseline
▲ 0.50% · 4.625%
HK$56,787
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,060/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,038
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,540
−HK$1,525/mo
Today · 4.125%
HK$59,065
baseline
▲ 0.50% · 4.625%
HK$62,178
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,130/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,212 · Scale 2, in force from 26 Feb 2026)