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$27,786
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,650
−HK$878/mo
Today · 4.125%
HK$29,528
baseline
▲ 0.50% · 4.625%
HK$31,325
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,056/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,911
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,740
−HK$841/mo
Today · 4.125%
HK$32,581
baseline
▲ 0.50% · 4.625%
HK$34,299
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,162/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,343
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,380
−HK$1,054/mo
Today · 4.125%
HK$35,434
baseline
▲ 0.50% · 4.625%
HK$37,590
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,868/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,093
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,088
−HK$1,009/mo
Today · 4.125%
HK$39,097
baseline
▲ 0.50% · 4.625%
HK$41,158
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,194/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,900
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,110
−HK$1,229/mo
Today · 4.125%
HK$41,339
baseline
▲ 0.50% · 4.625%
HK$43,855
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,678/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,276
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,436
−HK$1,178/mo
Today · 4.125%
HK$45,614
baseline
▲ 0.50% · 4.625%
HK$48,018
+HK$2,404/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,228/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,014
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,570
−HK$1,580/mo
Today · 4.125%
HK$53,150
baseline
▲ 0.50% · 4.625%
HK$56,384
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,300/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,640
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,132
−HK$1,514/mo
Today · 4.125%
HK$58,646
baseline
▲ 0.50% · 4.625%
HK$61,738
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,292/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,949 · Scale 2, in force from 26 Feb 2026)