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$27,841
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,707
−HK$880/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,387
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,973
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,804
−HK$842/mo
Today · 4.125%
HK$32,646
baseline
▲ 0.50% · 4.625%
HK$34,367
+HK$1,721/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,292/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,409
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,449
−HK$1,056/mo
Today · 4.125%
HK$35,505
baseline
▲ 0.50% · 4.625%
HK$37,665
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,010/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,168
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,165
−HK$1,011/mo
Today · 4.125%
HK$39,176
baseline
▲ 0.50% · 4.625%
HK$41,241
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,352/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,978
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,190
−HK$1,232/mo
Today · 4.125%
HK$41,422
baseline
▲ 0.50% · 4.625%
HK$43,942
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,844/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,362
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,525
−HK$1,180/mo
Today · 4.125%
HK$45,705
baseline
▲ 0.50% · 4.625%
HK$48,114
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,410/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,114
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,673
−HK$1,584/mo
Today · 4.125%
HK$53,257
baseline
▲ 0.50% · 4.625%
HK$56,497
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,514/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,752
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,247
−HK$1,517/mo
Today · 4.125%
HK$58,764
baseline
▲ 0.50% · 4.625%
HK$61,861
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,528/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,864 · Scale 2, in force from 26 Feb 2026)