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$27,771
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,634
−HK$878/mo
Today · 4.125%
HK$29,512
baseline
▲ 0.50% · 4.625%
HK$31,308
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,024/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,895
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,723
−HK$841/mo
Today · 4.125%
HK$32,564
baseline
▲ 0.50% · 4.625%
HK$34,280
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,128/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,325
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,361
−HK$1,054/mo
Today · 4.125%
HK$35,415
baseline
▲ 0.50% · 4.625%
HK$37,569
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,830/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,073
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,068
−HK$1,008/mo
Today · 4.125%
HK$39,076
baseline
▲ 0.50% · 4.625%
HK$41,136
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,152/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,879
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,088
−HK$1,229/mo
Today · 4.125%
HK$41,317
baseline
▲ 0.50% · 4.625%
HK$43,831
+HK$2,514/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,634/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,252
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,412
−HK$1,177/mo
Today · 4.125%
HK$45,589
baseline
▲ 0.50% · 4.625%
HK$47,992
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,178/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,987
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,542
−HK$1,580/mo
Today · 4.125%
HK$53,122
baseline
▲ 0.50% · 4.625%
HK$56,354
+HK$3,232/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,244/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,610
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,102
−HK$1,513/mo
Today · 4.125%
HK$58,615
baseline
▲ 0.50% · 4.625%
HK$61,704
+HK$3,089/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,230/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,703 · Scale 2, in force from 26 Feb 2026)