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$27,784
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,649
−HK$878/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,323
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,910
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,739
−HK$841/mo
Today · 4.125%
HK$32,580
baseline
▲ 0.50% · 4.625%
HK$34,297
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,160/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,341
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,378
−HK$1,054/mo
Today · 4.125%
HK$35,432
baseline
▲ 0.50% · 4.625%
HK$37,588
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,864/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,092
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,087
−HK$1,009/mo
Today · 4.125%
HK$39,096
baseline
▲ 0.50% · 4.625%
HK$41,157
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,192/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,898
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,108
−HK$1,230/mo
Today · 4.125%
HK$41,338
baseline
▲ 0.50% · 4.625%
HK$43,853
+HK$2,515/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,676/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,274
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,435
−HK$1,177/mo
Today · 4.125%
HK$45,612
baseline
▲ 0.50% · 4.625%
HK$48,016
+HK$2,404/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,224/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,012
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,568
−HK$1,580/mo
Today · 4.125%
HK$53,148
baseline
▲ 0.50% · 4.625%
HK$56,382
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,296/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,638
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,130
−HK$1,514/mo
Today · 4.125%
HK$58,644
baseline
▲ 0.50% · 4.625%
HK$61,735
+HK$3,091/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,288/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,931 · Scale 2, in force from 26 Feb 2026)