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$27,762
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,626
−HK$877/mo
Today · 4.125%
HK$29,503
baseline
▲ 0.50% · 4.625%
HK$31,298
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,006/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,885
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,714
−HK$840/mo
Today · 4.125%
HK$32,554
baseline
▲ 0.50% · 4.625%
HK$34,270
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,108/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,315
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,351
−HK$1,053/mo
Today · 4.125%
HK$35,404
baseline
▲ 0.50% · 4.625%
HK$37,558
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,808/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,062
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,056
−HK$1,009/mo
Today · 4.125%
HK$39,065
baseline
▲ 0.50% · 4.625%
HK$41,124
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,130/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,867
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,076
−HK$1,228/mo
Today · 4.125%
HK$41,304
baseline
▲ 0.50% · 4.625%
HK$43,818
+HK$2,514/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,608/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,239
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,399
−HK$1,176/mo
Today · 4.125%
HK$45,575
baseline
▲ 0.50% · 4.625%
HK$47,978
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,150/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,972
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,526
−HK$1,580/mo
Today · 4.125%
HK$53,106
baseline
▲ 0.50% · 4.625%
HK$56,337
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,212/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,593
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,084
−HK$1,513/mo
Today · 4.125%
HK$58,597
baseline
▲ 0.50% · 4.625%
HK$61,686
+HK$3,089/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,194/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,565 · Scale 2, in force from 26 Feb 2026)