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$27,797
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,661
−HK$879/mo
Today · 4.125%
HK$29,540
baseline
▲ 0.50% · 4.625%
HK$31,337
+HK$1,797/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,080/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,924
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,753
−HK$841/mo
Today · 4.125%
HK$32,594
baseline
▲ 0.50% · 4.625%
HK$34,313
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,188/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,356
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,394
−HK$1,054/mo
Today · 4.125%
HK$35,448
baseline
▲ 0.50% · 4.625%
HK$37,605
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,896/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,108
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,104
−HK$1,009/mo
Today · 4.125%
HK$39,113
baseline
▲ 0.50% · 4.625%
HK$41,175
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,226/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,916
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,126
−HK$1,230/mo
Today · 4.125%
HK$41,356
baseline
▲ 0.50% · 4.625%
HK$43,872
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,712/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,293
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,454
−HK$1,178/mo
Today · 4.125%
HK$45,632
baseline
▲ 0.50% · 4.625%
HK$48,038
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,264/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,034
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,591
−HK$1,581/mo
Today · 4.125%
HK$53,172
baseline
▲ 0.50% · 4.625%
HK$56,407
+HK$3,235/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,344/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,663
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,156
−HK$1,514/mo
Today · 4.125%
HK$58,670
baseline
▲ 0.50% · 4.625%
HK$61,763
+HK$3,093/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,340/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,134 · Scale 2, in force from 26 Feb 2026)