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$27,983
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$884/mo
Today · 4.125%
HK$29,737
baseline
▲ 0.50% · 4.625%
HK$31,547
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,474/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,130
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,965
−HK$847/mo
Today · 4.125%
HK$32,812
baseline
▲ 0.50% · 4.625%
HK$34,542
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,624/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,624
−HK$1,061/mo
Today · 4.125%
HK$35,685
baseline
▲ 0.50% · 4.625%
HK$37,856
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,370/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,356
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,358
−HK$1,017/mo
Today · 4.125%
HK$39,375
baseline
▲ 0.50% · 4.625%
HK$41,450
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,750/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,176
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,394
−HK$1,238/mo
Today · 4.125%
HK$41,632
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,264/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,582
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,751
−HK$1,186/mo
Today · 4.125%
HK$45,937
baseline
▲ 0.50% · 4.625%
HK$48,358
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,874/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,369
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,935
−HK$1,592/mo
Today · 4.125%
HK$53,527
baseline
▲ 0.50% · 4.625%
HK$56,784
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,054/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,035
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,537
−HK$1,525/mo
Today · 4.125%
HK$59,062
baseline
▲ 0.50% · 4.625%
HK$62,175
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,124/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,188 · Scale 2, in force from 26 Feb 2026)