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$27,999
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,870
−HK$885/mo
Today · 4.125%
HK$29,755
baseline
▲ 0.50% · 4.625%
HK$31,565
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,510/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,149
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,984
−HK$848/mo
Today · 4.125%
HK$32,832
baseline
▲ 0.50% · 4.625%
HK$34,562
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,664/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,599
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$1,062/mo
Today · 4.125%
HK$35,706
baseline
▲ 0.50% · 4.625%
HK$37,879
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,412/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,378
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,381
−HK$1,017/mo
Today · 4.125%
HK$39,398
baseline
▲ 0.50% · 4.625%
HK$41,475
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,796/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,199
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,239/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$44,192
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,608
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,778
−HK$1,186/mo
Today · 4.125%
HK$45,964
baseline
▲ 0.50% · 4.625%
HK$48,387
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,928/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,398
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,966
−HK$1,593/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,818
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,068
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,571
−HK$1,526/mo
Today · 4.125%
HK$59,097
baseline
▲ 0.50% · 4.625%
HK$62,212
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,194/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,461 · Scale 2, in force from 26 Feb 2026)