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$27,837
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,703
−HK$879/mo
Today · 4.125%
HK$29,582
baseline
▲ 0.50% · 4.625%
HK$31,382
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,164/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,968
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,799
−HK$842/mo
Today · 4.125%
HK$32,641
baseline
▲ 0.50% · 4.625%
HK$34,362
+HK$1,721/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,282/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,404
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,443
−HK$1,056/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,659
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,162
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,158
−HK$1,012/mo
Today · 4.125%
HK$39,170
baseline
▲ 0.50% · 4.625%
HK$41,234
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,340/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,972
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,184
−HK$1,231/mo
Today · 4.125%
HK$41,415
baseline
▲ 0.50% · 4.625%
HK$43,935
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,830/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,355
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,518
−HK$1,180/mo
Today · 4.125%
HK$45,698
baseline
▲ 0.50% · 4.625%
HK$48,107
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,396/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,106
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,665
−HK$1,583/mo
Today · 4.125%
HK$53,248
baseline
▲ 0.50% · 4.625%
HK$56,488
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,496/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,743
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,238
−HK$1,516/mo
Today · 4.125%
HK$58,754
baseline
▲ 0.50% · 4.625%
HK$61,851
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,508/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,791 · Scale 2, in force from 26 Feb 2026)