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$27,757
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,621
−HK$877/mo
Today · 4.125%
HK$29,498
baseline
▲ 0.50% · 4.625%
HK$31,293
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$58,996/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,880
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,708
−HK$840/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,264
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,309
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,345
−HK$1,053/mo
Today · 4.125%
HK$35,398
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,796/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,056
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,050
−HK$1,008/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,117
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,860
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,069
−HK$1,228/mo
Today · 4.125%
HK$41,297
baseline
▲ 0.50% · 4.625%
HK$43,810
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,594/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,232
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,391
−HK$1,177/mo
Today · 4.125%
HK$45,568
baseline
▲ 0.50% · 4.625%
HK$47,969
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,136/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,963
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,518
−HK$1,579/mo
Today · 4.125%
HK$53,097
baseline
▲ 0.50% · 4.625%
HK$56,327
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,194/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,584
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,075
−HK$1,512/mo
Today · 4.125%
HK$58,587
baseline
▲ 0.50% · 4.625%
HK$61,675
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,174/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,487 · Scale 2, in force from 26 Feb 2026)