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$27,792
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,657
−HK$878/mo
Today · 4.125%
HK$29,535
baseline
▲ 0.50% · 4.625%
HK$31,332
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,070/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,919
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$841/mo
Today · 4.125%
HK$32,589
baseline
▲ 0.50% · 4.625%
HK$34,307
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,178/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,351
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$1,054/mo
Today · 4.125%
HK$35,442
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,884/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,103
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,098
−HK$1,009/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,169
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,909
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,120
−HK$1,229/mo
Today · 4.125%
HK$41,349
baseline
▲ 0.50% · 4.625%
HK$43,865
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,698/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,286
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,447
−HK$1,178/mo
Today · 4.125%
HK$45,625
baseline
▲ 0.50% · 4.625%
HK$48,030
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,250/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,026
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,583
−HK$1,581/mo
Today · 4.125%
HK$53,164
baseline
▲ 0.50% · 4.625%
HK$56,398
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,328/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,654
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,147
−HK$1,514/mo
Today · 4.125%
HK$58,661
baseline
▲ 0.50% · 4.625%
HK$61,753
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,322/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,062 · Scale 2, in force from 26 Feb 2026)