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$27,997
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,868
−HK$885/mo
Today · 4.125%
HK$29,753
baseline
▲ 0.50% · 4.625%
HK$31,563
+HK$1,810/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,506/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,146
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,982
−HK$847/mo
Today · 4.125%
HK$32,829
baseline
▲ 0.50% · 4.625%
HK$34,559
+HK$1,730/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,658/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,596
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,641
−HK$1,062/mo
Today · 4.125%
HK$35,703
baseline
▲ 0.50% · 4.625%
HK$37,876
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,406/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,376
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,378
−HK$1,017/mo
Today · 4.125%
HK$39,395
baseline
▲ 0.50% · 4.625%
HK$41,471
+HK$2,076/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,790/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,415
−HK$1,239/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$44,188
+HK$2,534/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,605
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,774
−HK$1,187/mo
Today · 4.125%
HK$45,961
baseline
▲ 0.50% · 4.625%
HK$48,383
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,922/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,394
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$51,962
−HK$1,593/mo
Today · 4.125%
HK$53,555
baseline
▲ 0.50% · 4.625%
HK$56,813
+HK$3,258/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,110/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,063
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,567
−HK$1,525/mo
Today · 4.125%
HK$59,092
baseline
▲ 0.50% · 4.625%
HK$62,207
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,184/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,424 · Scale 2, in force from 26 Feb 2026)