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$28,662
−HK$878/mo
Today · 4.125%
HK$29,540
baseline
▲ 0.50% · 4.625%
HK$31,338
+HK$1,798/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$457,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,924
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,753
−HK$842/mo
Today · 4.125%
HK$32,595
baseline
▲ 0.50% · 4.625%
HK$34,313
+HK$1,718/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,190/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,357
−HK$2,091/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$457,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,109
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,104
−HK$1,010/mo
Today · 4.125%
HK$39,114
baseline
▲ 0.50% · 4.625%
HK$41,175
+HK$2,061/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,228/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,138 · 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$43,873
+HK$2,517/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$457,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,294
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,455
−HK$1,178/mo
Today · 4.125%
HK$45,633
baseline
▲ 0.50% · 4.625%
HK$48,038
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,266/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,035
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,591
−HK$1,581/mo
Today · 4.125%
HK$53,172
baseline
▲ 0.50% · 4.625%
HK$56,408
+HK$3,236/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$457,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,663
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,156
−HK$1,515/mo
Today · 4.125%
HK$58,671
baseline
▲ 0.50% · 4.625%
HK$61,763
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,342/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,138 · Scale 2, in force from 26 Feb 2026)