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$27,817
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,682
−HK$879/mo
Today · 4.125%
HK$29,561
baseline
▲ 0.50% · 4.625%
HK$31,360
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,122/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,946
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,776
−HK$842/mo
Today · 4.125%
HK$32,618
baseline
▲ 0.50% · 4.625%
HK$34,337
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,236/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,380
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,419
−HK$1,054/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,632
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,946/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,135
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,131
−HK$1,010/mo
Today · 4.125%
HK$39,141
baseline
▲ 0.50% · 4.625%
HK$41,205
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,282/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,944
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,155
−HK$1,231/mo
Today · 4.125%
HK$41,386
baseline
▲ 0.50% · 4.625%
HK$43,904
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,772/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,324
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,486
−HK$1,179/mo
Today · 4.125%
HK$45,665
baseline
▲ 0.50% · 4.625%
HK$48,072
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,330/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,070
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,628
−HK$1,582/mo
Today · 4.125%
HK$53,210
baseline
▲ 0.50% · 4.625%
HK$56,448
+HK$3,238/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,420/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,703
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,197
−HK$1,515/mo
Today · 4.125%
HK$58,712
baseline
▲ 0.50% · 4.625%
HK$61,807
+HK$3,095/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,424/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,463 · Scale 2, in force from 26 Feb 2026)