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$27,774
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,638
−HK$878/mo
Today · 4.125%
HK$29,516
baseline
▲ 0.50% · 4.625%
HK$31,312
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,032/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,899
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,727
−HK$841/mo
Today · 4.125%
HK$32,568
baseline
▲ 0.50% · 4.625%
HK$34,285
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,136/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,329
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,366
−HK$1,053/mo
Today · 4.125%
HK$35,419
baseline
▲ 0.50% · 4.625%
HK$37,574
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,838/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,078
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,073
−HK$1,009/mo
Today · 4.125%
HK$39,082
baseline
▲ 0.50% · 4.625%
HK$41,142
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,164/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,884
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,094
−HK$1,229/mo
Today · 4.125%
HK$41,323
baseline
▲ 0.50% · 4.625%
HK$43,837
+HK$2,514/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,646/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,258
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,418
−HK$1,177/mo
Today · 4.125%
HK$45,595
baseline
▲ 0.50% · 4.625%
HK$47,999
+HK$2,404/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,190/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,994
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,549
−HK$1,580/mo
Today · 4.125%
HK$53,129
baseline
▲ 0.50% · 4.625%
HK$56,362
+HK$3,233/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,258/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,618
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,109
−HK$1,514/mo
Today · 4.125%
HK$58,623
baseline
▲ 0.50% · 4.625%
HK$61,713
+HK$3,090/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,246/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,765 · Scale 2, in force from 26 Feb 2026)