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$27,745
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,608
−HK$877/mo
Today · 4.125%
HK$29,485
baseline
▲ 0.50% · 4.625%
HK$31,279
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,970/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,866
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,694
−HK$840/mo
Today · 4.125%
HK$32,534
baseline
▲ 0.50% · 4.625%
HK$34,249
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,068/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,294
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$1,052/mo
Today · 4.125%
HK$35,382
baseline
▲ 0.50% · 4.625%
HK$37,535
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,764/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,040
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,033
−HK$1,008/mo
Today · 4.125%
HK$39,041
baseline
▲ 0.50% · 4.625%
HK$41,099
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,082/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,843
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,227/mo
Today · 4.125%
HK$41,279
baseline
▲ 0.50% · 4.625%
HK$43,791
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,558/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,213
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,372
−HK$1,176/mo
Today · 4.125%
HK$45,548
baseline
▲ 0.50% · 4.625%
HK$47,948
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,096/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,942
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,495
−HK$1,578/mo
Today · 4.125%
HK$53,073
baseline
▲ 0.50% · 4.625%
HK$56,303
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,146/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,559
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,050
−HK$1,511/mo
Today · 4.125%
HK$58,561
baseline
▲ 0.50% · 4.625%
HK$61,648
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,122/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,287 · Scale 2, in force from 26 Feb 2026)