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$27,779
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,643
−HK$878/mo
Today · 4.125%
HK$29,521
baseline
▲ 0.50% · 4.625%
HK$31,317
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,042/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,904
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$841/mo
Today · 4.125%
HK$32,573
baseline
▲ 0.50% · 4.625%
HK$34,290
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,146/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,335
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,371
−HK$1,054/mo
Today · 4.125%
HK$35,425
baseline
▲ 0.50% · 4.625%
HK$37,580
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,850/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,084
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,079
−HK$1,009/mo
Today · 4.125%
HK$39,088
baseline
▲ 0.50% · 4.625%
HK$41,148
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,176/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,890
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,100
−HK$1,229/mo
Today · 4.125%
HK$41,329
baseline
▲ 0.50% · 4.625%
HK$43,844
+HK$2,515/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,658/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,265
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,425
−HK$1,178/mo
Today · 4.125%
HK$45,603
baseline
▲ 0.50% · 4.625%
HK$48,006
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,206/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,002
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,557
−HK$1,580/mo
Today · 4.125%
HK$53,137
baseline
▲ 0.50% · 4.625%
HK$56,371
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,274/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,626
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,118
−HK$1,514/mo
Today · 4.125%
HK$58,632
baseline
▲ 0.50% · 4.625%
HK$61,722
+HK$3,090/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,264/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,837 · Scale 2, in force from 26 Feb 2026)