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$27,765
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,629
−HK$877/mo
Today · 4.125%
HK$29,506
baseline
▲ 0.50% · 4.625%
HK$31,302
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,012/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,888
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,717
−HK$840/mo
Today · 4.125%
HK$32,557
baseline
▲ 0.50% · 4.625%
HK$34,273
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,114/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,318
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,354
−HK$1,053/mo
Today · 4.125%
HK$35,407
baseline
▲ 0.50% · 4.625%
HK$37,562
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,814/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,066
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,060
−HK$1,009/mo
Today · 4.125%
HK$39,069
baseline
▲ 0.50% · 4.625%
HK$41,128
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,138/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,871
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,080
−HK$1,229/mo
Today · 4.125%
HK$41,309
baseline
▲ 0.50% · 4.625%
HK$43,822
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,618/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,244
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,403
−HK$1,177/mo
Today · 4.125%
HK$45,580
baseline
▲ 0.50% · 4.625%
HK$47,983
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,160/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,977
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,532
−HK$1,579/mo
Today · 4.125%
HK$53,111
baseline
▲ 0.50% · 4.625%
HK$56,343
+HK$3,232/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,222/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,599
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,090
−HK$1,513/mo
Today · 4.125%
HK$58,603
baseline
▲ 0.50% · 4.625%
HK$61,692
+HK$3,089/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,206/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,611 · Scale 2, in force from 26 Feb 2026)