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$27,751
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,614
−HK$877/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,285
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,872
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,700
−HK$840/mo
Today · 4.125%
HK$32,540
baseline
▲ 0.50% · 4.625%
HK$34,255
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,080/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,301
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,336
−HK$1,053/mo
Today · 4.125%
HK$35,389
baseline
▲ 0.50% · 4.625%
HK$37,542
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,778/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,047
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,040
−HK$1,008/mo
Today · 4.125%
HK$39,048
baseline
▲ 0.50% · 4.625%
HK$41,106
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,096/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,851
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,059
−HK$1,228/mo
Today · 4.125%
HK$41,287
baseline
▲ 0.50% · 4.625%
HK$43,799
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,574/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,221
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,380
−HK$1,176/mo
Today · 4.125%
HK$45,556
baseline
▲ 0.50% · 4.625%
HK$47,958
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,112/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,951
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,505
−HK$1,578/mo
Today · 4.125%
HK$53,083
baseline
▲ 0.50% · 4.625%
HK$56,313
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,166/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,570
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,060
−HK$1,512/mo
Today · 4.125%
HK$58,572
baseline
▲ 0.50% · 4.625%
HK$61,660
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,144/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,373 · Scale 2, in force from 26 Feb 2026)