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$27,836
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,702
−HK$880/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$457,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,968
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$843/mo
Today · 4.125%
HK$32,641
baseline
▲ 0.50% · 4.625%
HK$34,361
+HK$1,720/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$457,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,404
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,443
−HK$1,055/mo
Today · 4.125%
HK$35,498
baseline
▲ 0.50% · 4.625%
HK$37,658
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,996/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,161
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,158
−HK$1,011/mo
Today · 4.125%
HK$39,169
baseline
▲ 0.50% · 4.625%
HK$41,233
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,338/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,971
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,183
−HK$1,232/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$457,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,355
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,517
−HK$1,180/mo
Today · 4.125%
HK$45,697
baseline
▲ 0.50% · 4.625%
HK$48,106
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,394/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,105
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,664
−HK$1,583/mo
Today · 4.125%
HK$53,247
baseline
▲ 0.50% · 4.625%
HK$56,487
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,494/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,742
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,237
−HK$1,516/mo
Today · 4.125%
HK$58,753
baseline
▲ 0.50% · 4.625%
HK$61,850
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,506/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,783 · Scale 2, in force from 26 Feb 2026)