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$27,793
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,657
−HK$879/mo
Today · 4.125%
HK$29,536
baseline
▲ 0.50% · 4.625%
HK$31,333
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,072/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,919
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$842/mo
Today · 4.125%
HK$32,590
baseline
▲ 0.50% · 4.625%
HK$34,307
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,180/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,351
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,389
−HK$1,054/mo
Today · 4.125%
HK$35,443
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$2,156/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,886/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,103
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,098
−HK$1,009/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,169
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,910
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,120
−HK$1,230/mo
Today · 4.125%
HK$41,350
baseline
▲ 0.50% · 4.625%
HK$43,866
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,700/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,287
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,448
−HK$1,177/mo
Today · 4.125%
HK$45,625
baseline
▲ 0.50% · 4.625%
HK$48,030
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,250/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,027
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,583
−HK$1,581/mo
Today · 4.125%
HK$53,164
baseline
▲ 0.50% · 4.625%
HK$56,399
+HK$3,235/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,328/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,654
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,147
−HK$1,514/mo
Today · 4.125%
HK$58,661
baseline
▲ 0.50% · 4.625%
HK$61,753
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,322/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,066 · Scale 2, in force from 26 Feb 2026)