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$1,756/mo
▼ 0.25% · 3.875%
HK$28,882
−HK$885/mo
Today · 4.125%
HK$29,767
baseline
▲ 0.50% · 4.625%
HK$31,579
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,534/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,162
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,998
−HK$847/mo
Today · 4.125%
HK$32,845
baseline
▲ 0.50% · 4.625%
HK$34,577
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,690/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,613
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$1,062/mo
Today · 4.125%
HK$35,721
baseline
▲ 0.50% · 4.625%
HK$37,894
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,442/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,394
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,397
−HK$1,017/mo
Today · 4.125%
HK$39,414
baseline
▲ 0.50% · 4.625%
HK$41,492
+HK$2,078/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,828/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,215
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$40,435
−HK$1,239/mo
Today · 4.125%
HK$41,674
baseline
▲ 0.50% · 4.625%
HK$44,210
+HK$2,536/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,348/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,627
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,797
−HK$1,187/mo
Today · 4.125%
HK$45,984
baseline
▲ 0.50% · 4.625%
HK$48,407
+HK$2,423/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$91,968/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,420
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,988
−HK$1,593/mo
Today · 4.125%
HK$53,581
baseline
▲ 0.50% · 4.625%
HK$56,842
+HK$3,261/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,162/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,091
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,596
−HK$1,526/mo
Today · 4.125%
HK$59,122
baseline
▲ 0.50% · 4.625%
HK$62,238
+HK$3,116/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,244/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,654 · Scale 2, in force from 26 Feb 2026)