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$27,834
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,699
−HK$880/mo
Today · 4.125%
HK$29,579
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,158/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,965
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,795
−HK$843/mo
Today · 4.125%
HK$32,638
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,276/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,400
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,439
−HK$1,056/mo
Today · 4.125%
HK$35,495
baseline
▲ 0.50% · 4.625%
HK$37,655
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,990/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,154
−HK$1,011/mo
Today · 4.125%
HK$39,165
baseline
▲ 0.50% · 4.625%
HK$41,230
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,330/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,967
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,179
−HK$1,232/mo
Today · 4.125%
HK$41,411
baseline
▲ 0.50% · 4.625%
HK$43,931
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,822/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,351
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,513
−HK$1,180/mo
Today · 4.125%
HK$45,693
baseline
▲ 0.50% · 4.625%
HK$48,101
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,386/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,101
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,659
−HK$1,583/mo
Today · 4.125%
HK$53,242
baseline
▲ 0.50% · 4.625%
HK$56,482
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,484/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,736
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,231
−HK$1,517/mo
Today · 4.125%
HK$58,748
baseline
▲ 0.50% · 4.625%
HK$61,844
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,496/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,740 · Scale 2, in force from 26 Feb 2026)