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$27,760
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,623
−HK$877/mo
Today · 4.125%
HK$29,500
baseline
▲ 0.50% · 4.625%
HK$31,296
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,000/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,882
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,711
−HK$840/mo
Today · 4.125%
HK$32,551
baseline
▲ 0.50% · 4.625%
HK$34,267
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,102/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,312
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,348
−HK$1,053/mo
Today · 4.125%
HK$35,401
baseline
▲ 0.50% · 4.625%
HK$37,555
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,802/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,059
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,053
−HK$1,008/mo
Today · 4.125%
HK$39,061
baseline
▲ 0.50% · 4.625%
HK$41,120
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,122/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,864
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,072
−HK$1,229/mo
Today · 4.125%
HK$41,301
baseline
▲ 0.50% · 4.625%
HK$43,814
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,602/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,235
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,176/mo
Today · 4.125%
HK$45,571
baseline
▲ 0.50% · 4.625%
HK$47,973
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,142/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,967
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,522
−HK$1,579/mo
Today · 4.125%
HK$53,101
baseline
▲ 0.50% · 4.625%
HK$56,332
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,202/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,588
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,079
−HK$1,513/mo
Today · 4.125%
HK$58,592
baseline
▲ 0.50% · 4.625%
HK$61,680
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,184/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,523 · Scale 2, in force from 26 Feb 2026)