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$27,798
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,663
−HK$878/mo
Today · 4.125%
HK$29,541
baseline
▲ 0.50% · 4.625%
HK$31,339
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,082/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,925
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,755
−HK$841/mo
Today · 4.125%
HK$32,596
baseline
▲ 0.50% · 4.625%
HK$34,314
+HK$1,718/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,192/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,358
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,395
−HK$1,055/mo
Today · 4.125%
HK$35,450
baseline
▲ 0.50% · 4.625%
HK$37,607
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,900/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,110
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,105
−HK$1,010/mo
Today · 4.125%
HK$39,115
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,230/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,917
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,128
−HK$1,230/mo
Today · 4.125%
HK$41,358
baseline
▲ 0.50% · 4.625%
HK$43,874
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,716/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,295
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,456
−HK$1,178/mo
Today · 4.125%
HK$45,634
baseline
▲ 0.50% · 4.625%
HK$48,040
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,268/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,037
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,593
−HK$1,581/mo
Today · 4.125%
HK$53,174
baseline
▲ 0.50% · 4.625%
HK$56,410
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,348/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,665
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,158
−HK$1,515/mo
Today · 4.125%
HK$58,673
baseline
▲ 0.50% · 4.625%
HK$61,765
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,346/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,156 · Scale 2, in force from 26 Feb 2026)