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$1,755/mo
▼ 0.25% · 3.875%
HK$28,870
−HK$884/mo
Today · 4.125%
HK$29,754
baseline
▲ 0.50% · 4.625%
HK$31,565
+HK$1,811/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$59,508/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,148
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$31,984
−HK$847/mo
Today · 4.125%
HK$32,831
baseline
▲ 0.50% · 4.625%
HK$34,562
+HK$1,731/mo
Deposit HK$6.14M · loan HK$6.14M · min. income ≈ HK$65,662/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$460,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,598
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$1,061/mo
Today · 4.125%
HK$35,705
baseline
▲ 0.50% · 4.625%
HK$37,878
+HK$2,173/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$71,410/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,378
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,380
−HK$1,017/mo
Today · 4.125%
HK$39,397
baseline
▲ 0.50% · 4.625%
HK$41,474
+HK$2,077/mo
Deposit HK$4.91M · loan HK$7.37M · min. income ≈ HK$78,794/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$460,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,198
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,417
−HK$1,239/mo
Today · 4.125%
HK$41,656
baseline
▲ 0.50% · 4.625%
HK$44,191
+HK$2,535/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$83,312/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,608
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,777
−HK$1,187/mo
Today · 4.125%
HK$45,964
baseline
▲ 0.50% · 4.625%
HK$48,386
+HK$2,422/mo
Deposit HK$3.68M · loan HK$8.60M · min. income ≈ HK$91,928/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$460,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,398
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,965
−HK$1,593/mo
Today · 4.125%
HK$53,558
baseline
▲ 0.50% · 4.625%
HK$56,817
+HK$3,259/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$107,116/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,067
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,571
−HK$1,525/mo
Today · 4.125%
HK$59,096
baseline
▲ 0.50% · 4.625%
HK$62,211
+HK$3,115/mo
Deposit HK$1.23M · loan HK$11.05M · min. income ≈ HK$118,192/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$460,453 · Scale 2, in force from 26 Feb 2026)