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$27,744
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$877/mo
Today · 4.125%
HK$29,484
baseline
▲ 0.50% · 4.625%
HK$31,278
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,968/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,865
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$840/mo
Today · 4.125%
HK$32,533
baseline
▲ 0.50% · 4.625%
HK$34,248
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,066/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,293
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,329
−HK$1,052/mo
Today · 4.125%
HK$35,381
baseline
▲ 0.50% · 4.625%
HK$37,534
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,762/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,038
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,032
−HK$1,008/mo
Today · 4.125%
HK$39,040
baseline
▲ 0.50% · 4.625%
HK$41,097
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,080/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,842
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,050
−HK$1,228/mo
Today · 4.125%
HK$41,278
baseline
▲ 0.50% · 4.625%
HK$43,790
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,556/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,212
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,370
−HK$1,176/mo
Today · 4.125%
HK$45,546
baseline
▲ 0.50% · 4.625%
HK$47,947
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,092/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,940
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,493
−HK$1,579/mo
Today · 4.125%
HK$53,072
baseline
▲ 0.50% · 4.625%
HK$56,301
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,144/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,558
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,048
−HK$1,511/mo
Today · 4.125%
HK$58,559
baseline
▲ 0.50% · 4.625%
HK$61,646
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,118/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,272 · Scale 2, in force from 26 Feb 2026)