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$28,023
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$28,895
−HK$885/mo
Today · 4.125%
HK$29,780
baseline
▲ 0.50% · 4.625%
HK$31,592
+HK$1,812/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,560/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,175
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$32,011
−HK$849/mo
Today · 4.125%
HK$32,860
baseline
▲ 0.50% · 4.625%
HK$34,592
+HK$1,732/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,720/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$460,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,628
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$1,062/mo
Today · 4.125%
HK$35,736
baseline
▲ 0.50% · 4.625%
HK$37,911
+HK$2,175/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$71,472/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,410
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,414
−HK$1,017/mo
Today · 4.125%
HK$39,431
baseline
▲ 0.50% · 4.625%
HK$41,510
+HK$2,079/mo
Deposit HK$4.92M · loan HK$7.37M · min. income ≈ HK$78,862/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$460,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,232
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,452
−HK$1,240/mo
Today · 4.125%
HK$41,692
baseline
▲ 0.50% · 4.625%
HK$44,229
+HK$2,537/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$83,384/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,645
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,816
−HK$1,187/mo
Today · 4.125%
HK$46,003
baseline
▲ 0.50% · 4.625%
HK$48,428
+HK$2,425/mo
Deposit HK$3.69M · loan HK$8.60M · min. income ≈ HK$92,006/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$460,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,441
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$52,010
−HK$1,594/mo
Today · 4.125%
HK$53,604
baseline
▲ 0.50% · 4.625%
HK$56,866
+HK$3,262/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$107,208/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,115
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,620
−HK$1,527/mo
Today · 4.125%
HK$59,147
baseline
▲ 0.50% · 4.625%
HK$62,265
+HK$3,118/mo
Deposit HK$1.23M · loan HK$11.06M · min. income ≈ HK$118,294/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,853 · Scale 2, in force from 26 Feb 2026)