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$27,832
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,698
−HK$880/mo
Today · 4.125%
HK$29,578
baseline
▲ 0.50% · 4.625%
HK$31,377
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,156/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,963
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$843/mo
Today · 4.125%
HK$32,636
baseline
▲ 0.50% · 4.625%
HK$34,356
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,272/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,399
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$1,055/mo
Today · 4.125%
HK$35,493
baseline
▲ 0.50% · 4.625%
HK$37,653
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,986/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,156
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,152
−HK$1,011/mo
Today · 4.125%
HK$39,163
baseline
▲ 0.50% · 4.625%
HK$41,227
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,326/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,965
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,177
−HK$1,232/mo
Today · 4.125%
HK$41,409
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,519/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,818/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,348
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,511
−HK$1,179/mo
Today · 4.125%
HK$45,690
baseline
▲ 0.50% · 4.625%
HK$48,099
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,380/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,098
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,656
−HK$1,584/mo
Today · 4.125%
HK$53,240
baseline
▲ 0.50% · 4.625%
HK$56,479
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,480/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,733
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,228
−HK$1,517/mo
Today · 4.125%
HK$58,745
baseline
▲ 0.50% · 4.625%
HK$61,841
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,490/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,715 · Scale 2, in force from 26 Feb 2026)