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$27,724
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$876/mo
Today · 4.125%
HK$29,463
baseline
▲ 0.50% · 4.625%
HK$31,255
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,926/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$455,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,843
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,670
−HK$839/mo
Today · 4.125%
HK$32,509
baseline
▲ 0.50% · 4.625%
HK$34,223
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,018/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$455,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,269
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,304
−HK$1,051/mo
Today · 4.125%
HK$35,355
baseline
▲ 0.50% · 4.625%
HK$37,507
+HK$2,152/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$70,710/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,011
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,004
−HK$1,007/mo
Today · 4.125%
HK$39,011
baseline
▲ 0.50% · 4.625%
HK$41,067
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$78,022/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,814
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,021
−HK$1,227/mo
Today · 4.125%
HK$41,248
baseline
▲ 0.50% · 4.625%
HK$43,758
+HK$2,510/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,496/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,180
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,338
−HK$1,175/mo
Today · 4.125%
HK$45,513
baseline
▲ 0.50% · 4.625%
HK$47,912
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,026/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,904
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,456
−HK$1,577/mo
Today · 4.125%
HK$53,033
baseline
▲ 0.50% · 4.625%
HK$56,260
+HK$3,227/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,066/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,517
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,006
−HK$1,511/mo
Today · 4.125%
HK$58,517
baseline
▲ 0.50% · 4.625%
HK$61,601
+HK$3,084/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,034/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,939 · Scale 2, in force from 26 Feb 2026)