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$28,000
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,871
−HK$885/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,566
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,149
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,985
−HK$847/mo
Today · 4.125%
HK$32,832
baseline
▲ 0.50% · 4.625%
HK$34,563
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,664/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,600
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,645
−HK$1,062/mo
Today · 4.125%
HK$35,707
baseline
▲ 0.50% · 4.625%
HK$37,879
+HK$2,172/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,414/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,379
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,382
−HK$1,017/mo
Today · 4.125%
HK$39,399
baseline
▲ 0.50% · 4.625%
HK$41,476
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,798/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,200
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,419
−HK$1,239/mo
Today · 4.125%
HK$41,658
baseline
▲ 0.50% · 4.625%
HK$44,193
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,316/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,609
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,779
−HK$1,186/mo
Today · 4.125%
HK$45,965
baseline
▲ 0.50% · 4.625%
HK$48,388
+HK$2,423/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,930/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,400
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,967
−HK$1,593/mo
Today · 4.125%
HK$53,560
baseline
▲ 0.50% · 4.625%
HK$56,819
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,120/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,069
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,573
−HK$1,525/mo
Today · 4.125%
HK$59,098
baseline
▲ 0.50% · 4.625%
HK$62,213
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,196/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,472 · Scale 2, in force from 26 Feb 2026)