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$28,016
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,887
−HK$885/mo
Today · 4.125%
HK$29,772
baseline
▲ 0.50% · 4.625%
HK$31,584
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,544/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,167
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,003
−HK$848/mo
Today · 4.125%
HK$32,851
baseline
▲ 0.50% · 4.625%
HK$34,583
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,702/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,619
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,664
−HK$1,063/mo
Today · 4.125%
HK$35,727
baseline
▲ 0.50% · 4.625%
HK$37,901
+HK$2,174/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,454/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,400
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,403
−HK$1,018/mo
Today · 4.125%
HK$39,421
baseline
▲ 0.50% · 4.625%
HK$41,499
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,842/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,222
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,442
−HK$1,239/mo
Today · 4.125%
HK$41,681
baseline
▲ 0.50% · 4.625%
HK$44,218
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,362/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,634
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,804
−HK$1,187/mo
Today · 4.125%
HK$45,991
baseline
▲ 0.50% · 4.625%
HK$48,416
+HK$2,425/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,982/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,428
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,997
−HK$1,593/mo
Today · 4.125%
HK$53,590
baseline
▲ 0.50% · 4.625%
HK$56,851
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,180/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,101
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,605
−HK$1,527/mo
Today · 4.125%
HK$59,132
baseline
▲ 0.50% · 4.625%
HK$62,249
+HK$3,117/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,264/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,731 · Scale 2, in force from 26 Feb 2026)