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$27,812
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,677
−HK$879/mo
Today · 4.125%
HK$29,556
baseline
▲ 0.50% · 4.625%
HK$31,355
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,112/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,941
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,771
−HK$841/mo
Today · 4.125%
HK$32,612
baseline
▲ 0.50% · 4.625%
HK$34,331
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,224/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,375
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,413
−HK$1,055/mo
Today · 4.125%
HK$35,468
baseline
▲ 0.50% · 4.625%
HK$37,626
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,936/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,129
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,125
−HK$1,010/mo
Today · 4.125%
HK$39,135
baseline
▲ 0.50% · 4.625%
HK$41,198
+HK$2,063/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,270/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,937
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,148
−HK$1,231/mo
Today · 4.125%
HK$41,379
baseline
▲ 0.50% · 4.625%
HK$43,897
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,758/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,317
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,479
−HK$1,178/mo
Today · 4.125%
HK$45,657
baseline
▲ 0.50% · 4.625%
HK$48,064
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,314/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,062
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,619
−HK$1,582/mo
Today · 4.125%
HK$53,201
baseline
▲ 0.50% · 4.625%
HK$56,438
+HK$3,237/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,402/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,693
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,187
−HK$1,515/mo
Today · 4.125%
HK$58,702
baseline
▲ 0.50% · 4.625%
HK$61,797
+HK$3,095/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,404/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,386 · Scale 2, in force from 26 Feb 2026)