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$27,766
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,630
−HK$878/mo
Today · 4.125%
HK$29,508
baseline
▲ 0.50% · 4.625%
HK$31,303
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,016/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,890
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,718
−HK$841/mo
Today · 4.125%
HK$32,559
baseline
▲ 0.50% · 4.625%
HK$34,275
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,118/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,320
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,356
−HK$1,053/mo
Today · 4.125%
HK$35,409
baseline
▲ 0.50% · 4.625%
HK$37,564
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,818/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,068
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,062
−HK$1,008/mo
Today · 4.125%
HK$39,070
baseline
▲ 0.50% · 4.625%
HK$41,130
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,140/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,873
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,082
−HK$1,229/mo
Today · 4.125%
HK$41,311
baseline
▲ 0.50% · 4.625%
HK$43,824
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,622/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,246
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,406
−HK$1,176/mo
Today · 4.125%
HK$45,582
baseline
▲ 0.50% · 4.625%
HK$47,985
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,164/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,979
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,534
−HK$1,580/mo
Today · 4.125%
HK$53,114
baseline
▲ 0.50% · 4.625%
HK$56,345
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,228/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,602
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,093
−HK$1,513/mo
Today · 4.125%
HK$58,606
baseline
▲ 0.50% · 4.625%
HK$61,695
+HK$3,089/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,212/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,632 · Scale 2, in force from 26 Feb 2026)