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$27,762
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,625
−HK$878/mo
Today · 4.125%
HK$29,503
baseline
▲ 0.50% · 4.625%
HK$31,298
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,006/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,885
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,713
−HK$840/mo
Today · 4.125%
HK$32,553
baseline
▲ 0.50% · 4.625%
HK$34,269
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,106/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,314
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,350
−HK$1,053/mo
Today · 4.125%
HK$35,403
baseline
▲ 0.50% · 4.625%
HK$37,557
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,806/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,062
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,056
−HK$1,008/mo
Today · 4.125%
HK$39,064
baseline
▲ 0.50% · 4.625%
HK$41,123
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,128/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,867
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,075
−HK$1,229/mo
Today · 4.125%
HK$41,304
baseline
▲ 0.50% · 4.625%
HK$43,817
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,608/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,239
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,398
−HK$1,177/mo
Today · 4.125%
HK$45,575
baseline
▲ 0.50% · 4.625%
HK$47,977
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,150/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,971
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,526
−HK$1,579/mo
Today · 4.125%
HK$53,105
baseline
▲ 0.50% · 4.625%
HK$56,336
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,210/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,593
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,083
−HK$1,513/mo
Today · 4.125%
HK$58,596
baseline
▲ 0.50% · 4.625%
HK$61,685
+HK$3,089/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,192/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,558 · Scale 2, in force from 26 Feb 2026)