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$27,996
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$28,867
−HK$884/mo
Today · 4.125%
HK$29,751
baseline
▲ 0.50% · 4.625%
HK$31,562
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,502/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,145
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,980
−HK$848/mo
Today · 4.125%
HK$32,828
baseline
▲ 0.50% · 4.625%
HK$34,558
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,656/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,595
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,640
−HK$1,062/mo
Today · 4.125%
HK$35,702
baseline
▲ 0.50% · 4.625%
HK$37,874
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,404/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,374
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,376
−HK$1,017/mo
Today · 4.125%
HK$39,393
baseline
▲ 0.50% · 4.625%
HK$41,470
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,786/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,194
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,413
−HK$1,239/mo
Today · 4.125%
HK$41,652
baseline
▲ 0.50% · 4.625%
HK$44,186
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,304/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,603
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,772
−HK$1,187/mo
Today · 4.125%
HK$45,959
baseline
▲ 0.50% · 4.625%
HK$48,381
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,918/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,392
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,960
−HK$1,592/mo
Today · 4.125%
HK$53,552
baseline
▲ 0.50% · 4.625%
HK$56,811
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,104/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,061
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,564
−HK$1,526/mo
Today · 4.125%
HK$59,090
baseline
▲ 0.50% · 4.625%
HK$62,204
+HK$3,114/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,180/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,405 · Scale 2, in force from 26 Feb 2026)