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$27,996
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,867
−HK$885/mo
Today · 4.125%
HK$29,752
baseline
▲ 0.50% · 4.625%
HK$31,562
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,504/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,145
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,981
−HK$847/mo
Today · 4.125%
HK$32,828
baseline
▲ 0.50% · 4.625%
HK$34,558
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,656/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,595
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,640
−HK$1,062/mo
Today · 4.125%
HK$35,702
baseline
▲ 0.50% · 4.625%
HK$37,874
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,404/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,374
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,377
−HK$1,017/mo
Today · 4.125%
HK$39,394
baseline
▲ 0.50% · 4.625%
HK$41,470
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,788/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,194
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,414
−HK$1,238/mo
Today · 4.125%
HK$41,652
baseline
▲ 0.50% · 4.625%
HK$44,187
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,304/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,603
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,773
−HK$1,186/mo
Today · 4.125%
HK$45,959
baseline
▲ 0.50% · 4.625%
HK$48,382
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,918/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,393
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,960
−HK$1,593/mo
Today · 4.125%
HK$53,553
baseline
▲ 0.50% · 4.625%
HK$56,812
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,106/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,062
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,565
−HK$1,525/mo
Today · 4.125%
HK$59,090
baseline
▲ 0.50% · 4.625%
HK$62,205
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,180/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,410 · Scale 2, in force from 26 Feb 2026)