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$27,803
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,668
−HK$879/mo
Today · 4.125%
HK$29,547
baseline
▲ 0.50% · 4.625%
HK$31,344
+HK$1,797/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,094/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,931
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,760
−HK$842/mo
Today · 4.125%
HK$32,602
baseline
▲ 0.50% · 4.625%
HK$34,320
+HK$1,718/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,204/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,364
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,402
−HK$1,054/mo
Today · 4.125%
HK$35,456
baseline
▲ 0.50% · 4.625%
HK$37,613
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,912/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,117
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,112
−HK$1,010/mo
Today · 4.125%
HK$39,122
baseline
▲ 0.50% · 4.625%
HK$41,184
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,244/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,924
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,135
−HK$1,230/mo
Today · 4.125%
HK$41,365
baseline
▲ 0.50% · 4.625%
HK$43,882
+HK$2,517/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,730/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,303
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,464
−HK$1,178/mo
Today · 4.125%
HK$45,642
baseline
▲ 0.50% · 4.625%
HK$48,048
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,284/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,046
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,602
−HK$1,582/mo
Today · 4.125%
HK$53,184
baseline
▲ 0.50% · 4.625%
HK$56,420
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,368/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,675
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,168
−HK$1,515/mo
Today · 4.125%
HK$58,683
baseline
▲ 0.50% · 4.625%
HK$61,776
+HK$3,093/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,366/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,237 · Scale 2, in force from 26 Feb 2026)