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$27,822
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,688
−HK$879/mo
Today · 4.125%
HK$29,567
baseline
▲ 0.50% · 4.625%
HK$31,366
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,134/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,952
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,782
−HK$842/mo
Today · 4.125%
HK$32,624
baseline
▲ 0.50% · 4.625%
HK$34,344
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,248/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,387
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,425
−HK$1,055/mo
Today · 4.125%
HK$35,480
baseline
▲ 0.50% · 4.625%
HK$37,639
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,960/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,142
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,138
−HK$1,011/mo
Today · 4.125%
HK$39,149
baseline
▲ 0.50% · 4.625%
HK$41,213
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,298/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,951
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,163
−HK$1,231/mo
Today · 4.125%
HK$41,394
baseline
▲ 0.50% · 4.625%
HK$43,912
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,788/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,333
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,495
−HK$1,179/mo
Today · 4.125%
HK$45,674
baseline
▲ 0.50% · 4.625%
HK$48,081
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,348/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,080
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,638
−HK$1,582/mo
Today · 4.125%
HK$53,220
baseline
▲ 0.50% · 4.625%
HK$56,459
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,440/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,713
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,208
−HK$1,515/mo
Today · 4.125%
HK$58,723
baseline
▲ 0.50% · 4.625%
HK$61,819
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,446/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,551 · Scale 2, in force from 26 Feb 2026)