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$27,998
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,869
−HK$885/mo
Today · 4.125%
HK$29,754
baseline
▲ 0.50% · 4.625%
HK$31,564
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,508/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,147
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,983
−HK$847/mo
Today · 4.125%
HK$32,830
baseline
▲ 0.50% · 4.625%
HK$34,561
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,660/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,597
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$1,061/mo
Today · 4.125%
HK$35,704
baseline
▲ 0.50% · 4.625%
HK$37,877
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,408/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,377
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,379
−HK$1,017/mo
Today · 4.125%
HK$39,396
baseline
▲ 0.50% · 4.625%
HK$41,473
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,792/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,197
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,416
−HK$1,239/mo
Today · 4.125%
HK$41,655
baseline
▲ 0.50% · 4.625%
HK$44,190
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,310/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,606
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,776
−HK$1,186/mo
Today · 4.125%
HK$45,962
baseline
▲ 0.50% · 4.625%
HK$48,385
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,924/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,396
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,964
−HK$1,592/mo
Today · 4.125%
HK$53,556
baseline
▲ 0.50% · 4.625%
HK$56,815
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,112/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,065
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,569
−HK$1,525/mo
Today · 4.125%
HK$59,094
baseline
▲ 0.50% · 4.625%
HK$62,209
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,188/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,440 · Scale 2, in force from 26 Feb 2026)