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$27,780
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,644
−HK$878/mo
Today · 4.125%
HK$29,522
baseline
▲ 0.50% · 4.625%
HK$31,319
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,044/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,905
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,734
−HK$841/mo
Today · 4.125%
HK$32,575
baseline
▲ 0.50% · 4.625%
HK$34,292
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,150/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,336
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,373
−HK$1,054/mo
Today · 4.125%
HK$35,427
baseline
▲ 0.50% · 4.625%
HK$37,582
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,854/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,086
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,081
−HK$1,009/mo
Today · 4.125%
HK$39,090
baseline
▲ 0.50% · 4.625%
HK$41,150
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,180/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,892
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,102
−HK$1,229/mo
Today · 4.125%
HK$41,331
baseline
▲ 0.50% · 4.625%
HK$43,846
+HK$2,515/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,662/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,267
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,428
−HK$1,177/mo
Today · 4.125%
HK$45,605
baseline
▲ 0.50% · 4.625%
HK$48,009
+HK$2,404/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,210/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,004
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,560
−HK$1,580/mo
Today · 4.125%
HK$53,140
baseline
▲ 0.50% · 4.625%
HK$56,373
+HK$3,233/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,280/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,629
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,121
−HK$1,514/mo
Today · 4.125%
HK$58,635
baseline
▲ 0.50% · 4.625%
HK$61,725
+HK$3,090/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,270/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,859 · Scale 2, in force from 26 Feb 2026)