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$27,971
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,841
−HK$884/mo
Today · 4.125%
HK$29,725
baseline
▲ 0.50% · 4.625%
HK$31,534
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,450/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,118
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,952
−HK$847/mo
Today · 4.125%
HK$32,799
baseline
▲ 0.50% · 4.625%
HK$34,528
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,598/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,565
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,610
−HK$1,060/mo
Today · 4.125%
HK$35,670
baseline
▲ 0.50% · 4.625%
HK$37,841
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,340/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,341
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,343
−HK$1,016/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,433
+HK$2,074/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,160
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,378
−HK$1,237/mo
Today · 4.125%
HK$41,615
baseline
▲ 0.50% · 4.625%
HK$44,148
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,230/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,565
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,733
−HK$1,185/mo
Today · 4.125%
HK$45,918
baseline
▲ 0.50% · 4.625%
HK$48,339
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,836/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,348
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,914
−HK$1,591/mo
Today · 4.125%
HK$53,505
baseline
▲ 0.50% · 4.625%
HK$56,761
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,010/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,012
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,514
−HK$1,524/mo
Today · 4.125%
HK$59,038
baseline
▲ 0.50% · 4.625%
HK$62,150
+HK$3,112/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,076/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,001 · Scale 2, in force from 26 Feb 2026)