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$28,011
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,883
−HK$885/mo
Today · 4.125%
HK$29,768
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,536/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,163
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,998
−HK$848/mo
Today · 4.125%
HK$32,846
baseline
▲ 0.50% · 4.625%
HK$34,577
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,692/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,614
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$1,063/mo
Today · 4.125%
HK$35,722
baseline
▲ 0.50% · 4.625%
HK$37,895
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,444/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,395
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,398
−HK$1,017/mo
Today · 4.125%
HK$39,415
baseline
▲ 0.50% · 4.625%
HK$41,493
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,830/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,216
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,436
−HK$1,239/mo
Today · 4.125%
HK$41,675
baseline
▲ 0.50% · 4.625%
HK$44,211
+HK$2,536/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,350/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,628
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,798
−HK$1,187/mo
Today · 4.125%
HK$45,985
baseline
▲ 0.50% · 4.625%
HK$48,408
+HK$2,423/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,970/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,421
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,989
−HK$1,594/mo
Today · 4.125%
HK$53,583
baseline
▲ 0.50% · 4.625%
HK$56,843
+HK$3,260/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,166/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,093
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,597
−HK$1,526/mo
Today · 4.125%
HK$59,123
baseline
▲ 0.50% · 4.625%
HK$62,239
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,246/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,664 · Scale 2, in force from 26 Feb 2026)