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$28,022
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,893
−HK$886/mo
Today · 4.125%
HK$29,779
baseline
▲ 0.50% · 4.625%
HK$31,591
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,558/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,174
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$32,010
−HK$848/mo
Today · 4.125%
HK$32,858
baseline
▲ 0.50% · 4.625%
HK$34,590
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,716/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,626
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,672
−HK$1,063/mo
Today · 4.125%
HK$35,735
baseline
▲ 0.50% · 4.625%
HK$37,909
+HK$2,174/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,470/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,408
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,412
−HK$1,018/mo
Today · 4.125%
HK$39,430
baseline
▲ 0.50% · 4.625%
HK$41,508
+HK$2,078/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,860/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,230
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,450
−HK$1,240/mo
Today · 4.125%
HK$41,690
baseline
▲ 0.50% · 4.625%
HK$44,227
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,380/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,643
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,814
−HK$1,187/mo
Today · 4.125%
HK$46,001
baseline
▲ 0.50% · 4.625%
HK$48,426
+HK$2,425/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,002/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,439
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,008
−HK$1,594/mo
Today · 4.125%
HK$53,602
baseline
▲ 0.50% · 4.625%
HK$56,863
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,204/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,113
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,618
−HK$1,526/mo
Today · 4.125%
HK$59,144
baseline
▲ 0.50% · 4.625%
HK$62,262
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,288/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,830 · Scale 2, in force from 26 Feb 2026)