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$27,991
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,861
−HK$885/mo
Today · 4.125%
HK$29,746
baseline
▲ 0.50% · 4.625%
HK$31,556
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,492/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,139
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,974
−HK$848/mo
Today · 4.125%
HK$32,822
baseline
▲ 0.50% · 4.625%
HK$34,552
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,644/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,589
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,634
−HK$1,061/mo
Today · 4.125%
HK$35,695
baseline
▲ 0.50% · 4.625%
HK$37,867
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,390/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,367
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,369
−HK$1,017/mo
Today · 4.125%
HK$39,386
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,772/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,187
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,406
−HK$1,238/mo
Today · 4.125%
HK$41,644
baseline
▲ 0.50% · 4.625%
HK$44,178
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,288/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,595
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,764
−HK$1,186/mo
Today · 4.125%
HK$45,950
baseline
▲ 0.50% · 4.625%
HK$48,372
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,900/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,383
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,950
−HK$1,593/mo
Today · 4.125%
HK$53,543
baseline
▲ 0.50% · 4.625%
HK$56,800
+HK$3,257/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,086/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,051
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$57,554
−HK$1,525/mo
Today · 4.125%
HK$59,079
baseline
▲ 0.50% · 4.625%
HK$62,193
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,158/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,321 · Scale 2, in force from 26 Feb 2026)