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$27,747
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,610
−HK$877/mo
Today · 4.125%
HK$29,487
baseline
▲ 0.50% · 4.625%
HK$31,281
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,974/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,868
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,696
−HK$840/mo
Today · 4.125%
HK$32,536
baseline
▲ 0.50% · 4.625%
HK$34,251
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,072/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,296
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$1,052/mo
Today · 4.125%
HK$35,384
baseline
▲ 0.50% · 4.625%
HK$37,537
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,768/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,042
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,035
−HK$1,008/mo
Today · 4.125%
HK$39,043
baseline
▲ 0.50% · 4.625%
HK$41,101
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,086/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,846
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,054
−HK$1,228/mo
Today · 4.125%
HK$41,282
baseline
▲ 0.50% · 4.625%
HK$43,794
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,564/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,215
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,374
−HK$1,176/mo
Today · 4.125%
HK$45,550
baseline
▲ 0.50% · 4.625%
HK$47,951
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,100/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,944
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,498
−HK$1,578/mo
Today · 4.125%
HK$53,076
baseline
▲ 0.50% · 4.625%
HK$56,306
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,152/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,563
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,053
−HK$1,512/mo
Today · 4.125%
HK$58,565
baseline
▲ 0.50% · 4.625%
HK$61,652
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,130/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,313 · Scale 2, in force from 26 Feb 2026)