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$27,733
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,596
−HK$876/mo
Today · 4.125%
HK$29,472
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,944/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,853
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,680
−HK$840/mo
Today · 4.125%
HK$32,520
baseline
▲ 0.50% · 4.625%
HK$34,234
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,040/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,280
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,315
−HK$1,052/mo
Today · 4.125%
HK$35,367
baseline
▲ 0.50% · 4.625%
HK$37,519
+HK$2,152/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$70,734/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,023
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,016
−HK$1,008/mo
Today · 4.125%
HK$39,024
baseline
▲ 0.50% · 4.625%
HK$41,081
+HK$2,057/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$78,048/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,826
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,034
−HK$1,227/mo
Today · 4.125%
HK$41,261
baseline
▲ 0.50% · 4.625%
HK$43,772
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,522/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,194
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,352
−HK$1,176/mo
Today · 4.125%
HK$45,528
baseline
▲ 0.50% · 4.625%
HK$47,927
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,056/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,920
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,472
−HK$1,578/mo
Today · 4.125%
HK$53,050
baseline
▲ 0.50% · 4.625%
HK$56,278
+HK$3,228/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,100/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,535
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,025
−HK$1,510/mo
Today · 4.125%
HK$58,535
baseline
▲ 0.50% · 4.625%
HK$61,621
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,070/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,086 · Scale 2, in force from 26 Feb 2026)