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$27,739
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,602
−HK$877/mo
Today · 4.125%
HK$29,479
baseline
▲ 0.50% · 4.625%
HK$31,273
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,958/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,860
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,688
−HK$839/mo
Today · 4.125%
HK$32,527
baseline
▲ 0.50% · 4.625%
HK$34,242
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,054/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,287
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,323
−HK$1,052/mo
Today · 4.125%
HK$35,375
baseline
▲ 0.50% · 4.625%
HK$37,527
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,750/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,032
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,025
−HK$1,008/mo
Today · 4.125%
HK$39,033
baseline
▲ 0.50% · 4.625%
HK$41,090
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,066/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,835
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,043
−HK$1,228/mo
Today · 4.125%
HK$41,271
baseline
▲ 0.50% · 4.625%
HK$43,782
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,542/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,204
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,363
−HK$1,175/mo
Today · 4.125%
HK$45,538
baseline
▲ 0.50% · 4.625%
HK$47,938
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,076/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,931
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,484
−HK$1,578/mo
Today · 4.125%
HK$53,062
baseline
▲ 0.50% · 4.625%
HK$56,291
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,124/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,548
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,038
−HK$1,511/mo
Today · 4.125%
HK$58,549
baseline
▲ 0.50% · 4.625%
HK$61,635
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,098/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,190 · Scale 2, in force from 26 Feb 2026)