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$27,831
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,697
−HK$880/mo
Today · 4.125%
HK$29,577
baseline
▲ 0.50% · 4.625%
HK$31,376
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,154/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,962
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$842/mo
Today · 4.125%
HK$32,635
baseline
▲ 0.50% · 4.625%
HK$34,355
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,270/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,398
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,437
−HK$1,055/mo
Today · 4.125%
HK$35,492
baseline
▲ 0.50% · 4.625%
HK$37,652
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,984/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,155
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,151
−HK$1,011/mo
Today · 4.125%
HK$39,162
baseline
▲ 0.50% · 4.625%
HK$41,226
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,324/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,964
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,176
−HK$1,231/mo
Today · 4.125%
HK$41,407
baseline
▲ 0.50% · 4.625%
HK$43,927
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,814/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,347
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,510
−HK$1,179/mo
Today · 4.125%
HK$45,689
baseline
▲ 0.50% · 4.625%
HK$48,097
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,378/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,097
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,655
−HK$1,583/mo
Today · 4.125%
HK$53,238
baseline
▲ 0.50% · 4.625%
HK$56,478
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,476/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,732
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,227
−HK$1,516/mo
Today · 4.125%
HK$58,743
baseline
▲ 0.50% · 4.625%
HK$61,839
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,486/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,703 · Scale 2, in force from 26 Feb 2026)