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$27,789
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,654
−HK$878/mo
Today · 4.125%
HK$29,532
baseline
▲ 0.50% · 4.625%
HK$31,329
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,064/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,915
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,744
−HK$842/mo
Today · 4.125%
HK$32,586
baseline
▲ 0.50% · 4.625%
HK$34,303
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,172/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,347
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,384
−HK$1,054/mo
Today · 4.125%
HK$35,438
baseline
▲ 0.50% · 4.625%
HK$37,595
+HK$2,157/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,876/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,098
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,093
−HK$1,010/mo
Today · 4.125%
HK$39,103
baseline
▲ 0.50% · 4.625%
HK$41,164
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,206/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,905
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,115
−HK$1,230/mo
Today · 4.125%
HK$41,345
baseline
▲ 0.50% · 4.625%
HK$43,860
+HK$2,515/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,690/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,281
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,442
−HK$1,178/mo
Today · 4.125%
HK$45,620
baseline
▲ 0.50% · 4.625%
HK$48,025
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,240/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,021
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,577
−HK$1,581/mo
Today · 4.125%
HK$53,158
baseline
▲ 0.50% · 4.625%
HK$56,392
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,316/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,648
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,140
−HK$1,514/mo
Today · 4.125%
HK$58,654
baseline
▲ 0.50% · 4.625%
HK$61,746
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,308/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,010 · Scale 2, in force from 26 Feb 2026)