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$27,790
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,654
−HK$878/mo
Today · 4.125%
HK$29,532
baseline
▲ 0.50% · 4.625%
HK$31,329
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,064/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,916
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,745
−HK$841/mo
Today · 4.125%
HK$32,586
baseline
▲ 0.50% · 4.625%
HK$34,304
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,172/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,348
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,385
−HK$1,054/mo
Today · 4.125%
HK$35,439
baseline
▲ 0.50% · 4.625%
HK$37,595
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,878/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,099
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,094
−HK$1,009/mo
Today · 4.125%
HK$39,103
baseline
▲ 0.50% · 4.625%
HK$41,164
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,206/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,905
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,116
−HK$1,229/mo
Today · 4.125%
HK$41,345
baseline
▲ 0.50% · 4.625%
HK$43,861
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,690/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,282
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,443
−HK$1,177/mo
Today · 4.125%
HK$45,620
baseline
▲ 0.50% · 4.625%
HK$48,025
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,240/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,021
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,577
−HK$1,581/mo
Today · 4.125%
HK$53,158
baseline
▲ 0.50% · 4.625%
HK$56,393
+HK$3,235/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,316/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,648
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,141
−HK$1,514/mo
Today · 4.125%
HK$58,655
baseline
▲ 0.50% · 4.625%
HK$61,746
+HK$3,091/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,310/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,015 · Scale 2, in force from 26 Feb 2026)