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$27,769
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,633
−HK$877/mo
Today · 4.125%
HK$29,510
baseline
▲ 0.50% · 4.625%
HK$31,306
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,020/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,893
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,721
−HK$841/mo
Today · 4.125%
HK$32,562
baseline
▲ 0.50% · 4.625%
HK$34,278
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,124/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,323
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,359
−HK$1,053/mo
Today · 4.125%
HK$35,412
baseline
▲ 0.50% · 4.625%
HK$37,567
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,824/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,071
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,065
−HK$1,009/mo
Today · 4.125%
HK$39,074
baseline
▲ 0.50% · 4.625%
HK$41,134
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,148/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,876
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,086
−HK$1,228/mo
Today · 4.125%
HK$41,314
baseline
▲ 0.50% · 4.625%
HK$43,828
+HK$2,514/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,628/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,250
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,410
−HK$1,176/mo
Today · 4.125%
HK$45,586
baseline
▲ 0.50% · 4.625%
HK$47,989
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,172/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,984
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,539
−HK$1,579/mo
Today · 4.125%
HK$53,118
baseline
▲ 0.50% · 4.625%
HK$56,351
+HK$3,233/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,236/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,607
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,098
−HK$1,513/mo
Today · 4.125%
HK$58,611
baseline
▲ 0.50% · 4.625%
HK$61,700
+HK$3,089/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,222/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,674 · Scale 2, in force from 26 Feb 2026)