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$27,787
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,652
−HK$878/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,327
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,913
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,742
−HK$841/mo
Today · 4.125%
HK$32,583
baseline
▲ 0.50% · 4.625%
HK$34,301
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,166/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,345
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,382
−HK$1,054/mo
Today · 4.125%
HK$35,436
baseline
▲ 0.50% · 4.625%
HK$37,592
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,872/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,096
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,091
−HK$1,009/mo
Today · 4.125%
HK$39,100
baseline
▲ 0.50% · 4.625%
HK$41,161
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,200/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,902
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,112
−HK$1,230/mo
Today · 4.125%
HK$41,342
baseline
▲ 0.50% · 4.625%
HK$43,857
+HK$2,515/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,684/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,278
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,439
−HK$1,177/mo
Today · 4.125%
HK$45,616
baseline
▲ 0.50% · 4.625%
HK$48,021
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,232/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,017
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,573
−HK$1,581/mo
Today · 4.125%
HK$53,154
baseline
▲ 0.50% · 4.625%
HK$56,388
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,308/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,643
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,136
−HK$1,514/mo
Today · 4.125%
HK$58,650
baseline
▲ 0.50% · 4.625%
HK$61,741
+HK$3,091/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,300/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,976 · Scale 2, in force from 26 Feb 2026)