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$27,753
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,616
−HK$877/mo
Today · 4.125%
HK$29,493
baseline
▲ 0.50% · 4.625%
HK$31,288
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$58,986/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,875
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,703
−HK$840/mo
Today · 4.125%
HK$32,543
baseline
▲ 0.50% · 4.625%
HK$34,259
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,086/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,304
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,340
−HK$1,052/mo
Today · 4.125%
HK$35,392
baseline
▲ 0.50% · 4.625%
HK$37,546
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,784/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,050
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,044
−HK$1,008/mo
Today · 4.125%
HK$39,052
baseline
▲ 0.50% · 4.625%
HK$41,110
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,104/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,854
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,063
−HK$1,228/mo
Today · 4.125%
HK$41,291
baseline
▲ 0.50% · 4.625%
HK$43,803
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,582/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,225
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,384
−HK$1,176/mo
Today · 4.125%
HK$45,560
baseline
▲ 0.50% · 4.625%
HK$47,962
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,120/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,956
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,509
−HK$1,579/mo
Today · 4.125%
HK$53,088
baseline
▲ 0.50% · 4.625%
HK$56,319
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,176/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,575
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,066
−HK$1,512/mo
Today · 4.125%
HK$58,578
baseline
▲ 0.50% · 4.625%
HK$61,665
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,156/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,415 · Scale 2, in force from 26 Feb 2026)