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$27,761
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,625
−HK$877/mo
Today · 4.125%
HK$29,502
baseline
▲ 0.50% · 4.625%
HK$31,297
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,004/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,884
−HK$1,669/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$456,551 · 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$456,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,061
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,055
−HK$1,008/mo
Today · 4.125%
HK$39,063
baseline
▲ 0.50% · 4.625%
HK$41,123
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,126/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,866
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,075
−HK$1,228/mo
Today · 4.125%
HK$41,303
baseline
▲ 0.50% · 4.625%
HK$43,816
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,606/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,238
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,398
−HK$1,176/mo
Today · 4.125%
HK$45,574
baseline
▲ 0.50% · 4.625%
HK$47,976
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,148/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,970
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,525
−HK$1,579/mo
Today · 4.125%
HK$53,104
baseline
▲ 0.50% · 4.625%
HK$56,335
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,208/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,592
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,083
−HK$1,512/mo
Today · 4.125%
HK$58,595
baseline
▲ 0.50% · 4.625%
HK$61,684
+HK$3,089/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,190/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,551 · Scale 2, in force from 26 Feb 2026)