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$27,976
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,846
−HK$884/mo
Today · 4.125%
HK$29,730
baseline
▲ 0.50% · 4.625%
HK$31,539
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,460/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,123
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$31,958
−HK$846/mo
Today · 4.125%
HK$32,804
baseline
▲ 0.50% · 4.625%
HK$34,534
+HK$1,730/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,608/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$460,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,571
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,615
−HK$1,061/mo
Today · 4.125%
HK$35,676
baseline
▲ 0.50% · 4.625%
HK$37,847
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,352/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,348
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,349
−HK$1,016/mo
Today · 4.125%
HK$39,365
baseline
▲ 0.50% · 4.625%
HK$41,440
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,730/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,166
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,385
−HK$1,237/mo
Today · 4.125%
HK$41,622
baseline
▲ 0.50% · 4.625%
HK$44,155
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,244/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,572
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,741
−HK$1,185/mo
Today · 4.125%
HK$45,926
baseline
▲ 0.50% · 4.625%
HK$48,347
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,852/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,357
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,923
−HK$1,592/mo
Today · 4.125%
HK$53,515
baseline
▲ 0.50% · 4.625%
HK$56,771
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,030/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,021
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,524
−HK$1,524/mo
Today · 4.125%
HK$59,048
baseline
▲ 0.50% · 4.625%
HK$62,161
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,096/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,080 · Scale 2, in force from 26 Feb 2026)