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$27,805
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,670
−HK$879/mo
Today · 4.125%
HK$29,549
baseline
▲ 0.50% · 4.625%
HK$31,347
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,098/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,933
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,763
−HK$841/mo
Today · 4.125%
HK$32,604
baseline
▲ 0.50% · 4.625%
HK$34,323
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,208/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,366
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,404
−HK$1,055/mo
Today · 4.125%
HK$35,459
baseline
▲ 0.50% · 4.625%
HK$37,616
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,918/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,115
−HK$1,010/mo
Today · 4.125%
HK$39,125
baseline
▲ 0.50% · 4.625%
HK$41,187
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,250/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,927
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,138
−HK$1,230/mo
Today · 4.125%
HK$41,368
baseline
▲ 0.50% · 4.625%
HK$43,885
+HK$2,517/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,736/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,306
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,468
−HK$1,178/mo
Today · 4.125%
HK$45,646
baseline
▲ 0.50% · 4.625%
HK$48,052
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,292/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,049
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,606
−HK$1,582/mo
Today · 4.125%
HK$53,188
baseline
▲ 0.50% · 4.625%
HK$56,424
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,376/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,679
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,173
−HK$1,515/mo
Today · 4.125%
HK$58,688
baseline
▲ 0.50% · 4.625%
HK$61,781
+HK$3,093/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,376/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,271 · Scale 2, in force from 26 Feb 2026)