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$27,982
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,853
−HK$884/mo
Today · 4.125%
HK$29,737
baseline
▲ 0.50% · 4.625%
HK$31,546
+HK$1,809/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,474/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,130
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,965
−HK$847/mo
Today · 4.125%
HK$32,812
baseline
▲ 0.50% · 4.625%
HK$34,541
+HK$1,729/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,624/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,623
−HK$1,061/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,856
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,356
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,358
−HK$1,016/mo
Today · 4.125%
HK$39,374
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,748/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,175
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,394
−HK$1,238/mo
Today · 4.125%
HK$41,632
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,264/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,582
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,751
−HK$1,185/mo
Today · 4.125%
HK$45,936
baseline
▲ 0.50% · 4.625%
HK$48,358
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,872/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,368
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,935
−HK$1,591/mo
Today · 4.125%
HK$53,526
baseline
▲ 0.50% · 4.625%
HK$56,783
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,052/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,034
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,537
−HK$1,524/mo
Today · 4.125%
HK$59,061
baseline
▲ 0.50% · 4.625%
HK$62,174
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,122/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,181 · Scale 2, in force from 26 Feb 2026)