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$27,995
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,866
−HK$885/mo
Today · 4.125%
HK$29,751
baseline
▲ 0.50% · 4.625%
HK$31,561
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,502/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,145
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,980
−HK$847/mo
Today · 4.125%
HK$32,827
baseline
▲ 0.50% · 4.625%
HK$34,558
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,654/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,595
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,640
−HK$1,061/mo
Today · 4.125%
HK$35,701
baseline
▲ 0.50% · 4.625%
HK$37,874
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,402/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,374
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,376
−HK$1,017/mo
Today · 4.125%
HK$39,393
baseline
▲ 0.50% · 4.625%
HK$41,469
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,786/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,194
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,413
−HK$1,238/mo
Today · 4.125%
HK$41,651
baseline
▲ 0.50% · 4.625%
HK$44,186
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,302/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,603
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,772
−HK$1,186/mo
Today · 4.125%
HK$45,958
baseline
▲ 0.50% · 4.625%
HK$48,381
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,916/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,392
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,959
−HK$1,593/mo
Today · 4.125%
HK$53,552
baseline
▲ 0.50% · 4.625%
HK$56,810
+HK$3,258/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,104/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,060
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,564
−HK$1,525/mo
Today · 4.125%
HK$59,089
baseline
▲ 0.50% · 4.625%
HK$62,204
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,178/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,401 · Scale 2, in force from 26 Feb 2026)