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$27,741
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,604
−HK$877/mo
Today · 4.125%
HK$29,481
baseline
▲ 0.50% · 4.625%
HK$31,275
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,962/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,862
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,690
−HK$839/mo
Today · 4.125%
HK$32,529
baseline
▲ 0.50% · 4.625%
HK$34,244
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,058/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,290
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,325
−HK$1,052/mo
Today · 4.125%
HK$35,377
baseline
▲ 0.50% · 4.625%
HK$37,530
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,754/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,034
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,028
−HK$1,007/mo
Today · 4.125%
HK$39,035
baseline
▲ 0.50% · 4.625%
HK$41,093
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,070/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,838
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,046
−HK$1,227/mo
Today · 4.125%
HK$41,273
baseline
▲ 0.50% · 4.625%
HK$43,785
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,546/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,207
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,366
−HK$1,175/mo
Today · 4.125%
HK$45,541
baseline
▲ 0.50% · 4.625%
HK$47,942
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,082/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,934
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,488
−HK$1,578/mo
Today · 4.125%
HK$53,066
baseline
▲ 0.50% · 4.625%
HK$56,295
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,132/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,552
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,041
−HK$1,512/mo
Today · 4.125%
HK$58,553
baseline
▲ 0.50% · 4.625%
HK$61,639
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,106/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,222 · Scale 2, in force from 26 Feb 2026)