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$28,002
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,873
−HK$885/mo
Today · 4.125%
HK$29,758
baseline
▲ 0.50% · 4.625%
HK$31,568
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,516/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,152
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,987
−HK$848/mo
Today · 4.125%
HK$32,835
baseline
▲ 0.50% · 4.625%
HK$34,565
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,670/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,602
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,647
−HK$1,062/mo
Today · 4.125%
HK$35,709
baseline
▲ 0.50% · 4.625%
HK$37,882
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,418/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,382
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,384
−HK$1,017/mo
Today · 4.125%
HK$39,401
baseline
▲ 0.50% · 4.625%
HK$41,478
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,802/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,202
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,422
−HK$1,239/mo
Today · 4.125%
HK$41,661
baseline
▲ 0.50% · 4.625%
HK$44,196
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,322/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,612
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,782
−HK$1,186/mo
Today · 4.125%
HK$45,968
baseline
▲ 0.50% · 4.625%
HK$48,391
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,936/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,403
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,971
−HK$1,593/mo
Today · 4.125%
HK$53,564
baseline
▲ 0.50% · 4.625%
HK$56,823
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,128/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,073
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,577
−HK$1,525/mo
Today · 4.125%
HK$59,102
baseline
▲ 0.50% · 4.625%
HK$62,218
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,204/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,502 · Scale 2, in force from 26 Feb 2026)