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$27,770
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,634
−HK$877/mo
Today · 4.125%
HK$29,511
baseline
▲ 0.50% · 4.625%
HK$31,307
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,022/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,894
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,722
−HK$841/mo
Today · 4.125%
HK$32,563
baseline
▲ 0.50% · 4.625%
HK$34,279
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,126/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,324
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,360
−HK$1,054/mo
Today · 4.125%
HK$35,414
baseline
▲ 0.50% · 4.625%
HK$37,568
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,828/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,072
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,067
−HK$1,008/mo
Today · 4.125%
HK$39,075
baseline
▲ 0.50% · 4.625%
HK$41,135
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,150/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,878
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,087
−HK$1,229/mo
Today · 4.125%
HK$41,316
baseline
▲ 0.50% · 4.625%
HK$43,830
+HK$2,514/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,632/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,251
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,411
−HK$1,177/mo
Today · 4.125%
HK$45,588
baseline
▲ 0.50% · 4.625%
HK$47,991
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,176/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,986
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,541
−HK$1,579/mo
Today · 4.125%
HK$53,120
baseline
▲ 0.50% · 4.625%
HK$56,352
+HK$3,232/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,240/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,609
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,100
−HK$1,513/mo
Today · 4.125%
HK$58,613
baseline
▲ 0.50% · 4.625%
HK$61,703
+HK$3,090/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,226/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,690 · Scale 2, in force from 26 Feb 2026)