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$27,824
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$879/mo
Today · 4.125%
HK$29,568
baseline
▲ 0.50% · 4.625%
HK$31,368
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,136/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,954
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,784
−HK$842/mo
Today · 4.125%
HK$32,626
baseline
▲ 0.50% · 4.625%
HK$34,346
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,252/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,388
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,427
−HK$1,055/mo
Today · 4.125%
HK$35,482
baseline
▲ 0.50% · 4.625%
HK$37,641
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,964/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,144
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,140
−HK$1,011/mo
Today · 4.125%
HK$39,151
baseline
▲ 0.50% · 4.625%
HK$41,215
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,302/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,953
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,165
−HK$1,231/mo
Today · 4.125%
HK$41,396
baseline
▲ 0.50% · 4.625%
HK$43,915
+HK$2,519/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,792/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,335
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,497
−HK$1,179/mo
Today · 4.125%
HK$45,676
baseline
▲ 0.50% · 4.625%
HK$48,084
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,352/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,083
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,641
−HK$1,582/mo
Today · 4.125%
HK$53,223
baseline
▲ 0.50% · 4.625%
HK$56,462
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,446/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,716
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,211
−HK$1,516/mo
Today · 4.125%
HK$58,727
baseline
▲ 0.50% · 4.625%
HK$61,822
+HK$3,095/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,454/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,576 · Scale 2, in force from 26 Feb 2026)