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$27,788
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,652
−HK$879/mo
Today · 4.125%
HK$29,531
baseline
▲ 0.50% · 4.625%
HK$31,327
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,062/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,914
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,743
−HK$841/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,302
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,346
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,383
−HK$1,054/mo
Today · 4.125%
HK$35,437
baseline
▲ 0.50% · 4.625%
HK$37,593
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,874/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,097
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,092
−HK$1,009/mo
Today · 4.125%
HK$39,101
baseline
▲ 0.50% · 4.625%
HK$41,162
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,202/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,903
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,113
−HK$1,230/mo
Today · 4.125%
HK$41,343
baseline
▲ 0.50% · 4.625%
HK$43,858
+HK$2,515/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,686/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,279
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,440
−HK$1,178/mo
Today · 4.125%
HK$45,618
baseline
▲ 0.50% · 4.625%
HK$48,022
+HK$2,404/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,236/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,018
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,574
−HK$1,581/mo
Today · 4.125%
HK$53,155
baseline
▲ 0.50% · 4.625%
HK$56,389
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,310/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,645
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,137
−HK$1,514/mo
Today · 4.125%
HK$58,651
baseline
▲ 0.50% · 4.625%
HK$61,743
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,302/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,988 · Scale 2, in force from 26 Feb 2026)