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$27,999
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$28,870
−HK$885/mo
Today · 4.125%
HK$29,755
baseline
▲ 0.50% · 4.625%
HK$31,566
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,510/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,466 · 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$460,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,599
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$1,062/mo
Today · 4.125%
HK$35,706
baseline
▲ 0.50% · 4.625%
HK$37,879
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,412/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,379
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,381
−HK$1,017/mo
Today · 4.125%
HK$39,398
baseline
▲ 0.50% · 4.625%
HK$41,475
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,796/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,199
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,419
−HK$1,238/mo
Today · 4.125%
HK$41,657
baseline
▲ 0.50% · 4.625%
HK$44,192
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,314/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,609
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,778
−HK$1,187/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$460,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,399
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,967
−HK$1,592/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,818
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,068
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,572
−HK$1,526/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$460,466 · Scale 2, in force from 26 Feb 2026)