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$27,988
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,859
−HK$884/mo
Today · 4.125%
HK$29,743
baseline
▲ 0.50% · 4.625%
HK$31,553
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,486/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,137
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,972
−HK$847/mo
Today · 4.125%
HK$32,819
baseline
▲ 0.50% · 4.625%
HK$34,549
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,638/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,586
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,630
−HK$1,062/mo
Today · 4.125%
HK$35,692
baseline
▲ 0.50% · 4.625%
HK$37,864
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,384/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,364
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,366
−HK$1,016/mo
Today · 4.125%
HK$39,382
baseline
▲ 0.50% · 4.625%
HK$41,458
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,764/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,183
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,402
−HK$1,239/mo
Today · 4.125%
HK$41,641
baseline
▲ 0.50% · 4.625%
HK$44,174
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,282/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,591
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,760
−HK$1,186/mo
Today · 4.125%
HK$45,946
baseline
▲ 0.50% · 4.625%
HK$48,368
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,892/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,379
−HK$3,159/mo
▼ 0.25% · 3.875%
HK$51,946
−HK$1,592/mo
Today · 4.125%
HK$53,538
baseline
▲ 0.50% · 4.625%
HK$56,795
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,076/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,046
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,549
−HK$1,525/mo
Today · 4.125%
HK$59,074
baseline
▲ 0.50% · 4.625%
HK$62,188
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,148/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,280 · Scale 2, in force from 26 Feb 2026)