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$27,979
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$28,849
−HK$884/mo
Today · 4.125%
HK$29,733
baseline
▲ 0.50% · 4.625%
HK$31,542
+HK$1,809/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,466/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,126
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$31,961
−HK$847/mo
Today · 4.125%
HK$32,808
baseline
▲ 0.50% · 4.625%
HK$34,537
+HK$1,729/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,616/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,574
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,619
−HK$1,061/mo
Today · 4.125%
HK$35,680
baseline
▲ 0.50% · 4.625%
HK$37,851
+HK$2,171/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$71,360/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,351
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,353
−HK$1,016/mo
Today · 4.125%
HK$39,369
baseline
▲ 0.50% · 4.625%
HK$41,444
+HK$2,075/mo
Deposit HK$4.91M · loan HK$7.36M · min. income ≈ HK$78,738/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,170
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,389
−HK$1,237/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$44,159
+HK$2,533/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,576
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,745
−HK$1,186/mo
Today · 4.125%
HK$45,931
baseline
▲ 0.50% · 4.625%
HK$48,352
+HK$2,421/mo
Deposit HK$3.68M · loan HK$8.59M · min. income ≈ HK$91,862/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,362
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,928
−HK$1,592/mo
Today · 4.125%
HK$53,520
baseline
▲ 0.50% · 4.625%
HK$56,776
+HK$3,256/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$107,040/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,027
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$57,529
−HK$1,525/mo
Today · 4.125%
HK$59,054
baseline
▲ 0.50% · 4.625%
HK$62,167
+HK$3,113/mo
Deposit HK$1.23M · loan HK$11.04M · min. income ≈ HK$118,108/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,125 · Scale 2, in force from 26 Feb 2026)