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$27,738
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,601
−HK$876/mo
Today · 4.125%
HK$29,477
baseline
▲ 0.50% · 4.625%
HK$31,271
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,954/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,858
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,686
−HK$839/mo
Today · 4.125%
HK$32,525
baseline
▲ 0.50% · 4.625%
HK$34,240
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,050/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,286
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,321
−HK$1,052/mo
Today · 4.125%
HK$35,373
baseline
▲ 0.50% · 4.625%
HK$37,525
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,746/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,030
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,023
−HK$1,008/mo
Today · 4.125%
HK$39,031
baseline
▲ 0.50% · 4.625%
HK$41,088
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,062/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,833
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,041
−HK$1,227/mo
Today · 4.125%
HK$41,268
baseline
▲ 0.50% · 4.625%
HK$43,780
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,536/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,202
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,360
−HK$1,176/mo
Today · 4.125%
HK$45,536
baseline
▲ 0.50% · 4.625%
HK$47,936
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,072/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,928
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,482
−HK$1,577/mo
Today · 4.125%
HK$53,059
baseline
▲ 0.50% · 4.625%
HK$56,288
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,118/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,545
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,035
−HK$1,511/mo
Today · 4.125%
HK$58,546
baseline
▲ 0.50% · 4.625%
HK$61,632
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,092/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,167 · Scale 2, in force from 26 Feb 2026)