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$27,778
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$877/mo
Today · 4.125%
HK$29,519
baseline
▲ 0.50% · 4.625%
HK$31,316
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,038/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,902
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,731
−HK$841/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,333
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$1,053/mo
Today · 4.125%
HK$35,423
baseline
▲ 0.50% · 4.625%
HK$37,579
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,846/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,083
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,077
−HK$1,009/mo
Today · 4.125%
HK$39,086
baseline
▲ 0.50% · 4.625%
HK$41,146
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,172/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,889
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,098
−HK$1,229/mo
Today · 4.125%
HK$41,327
baseline
▲ 0.50% · 4.625%
HK$43,842
+HK$2,515/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,654/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,263
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,423
−HK$1,177/mo
Today · 4.125%
HK$45,600
baseline
▲ 0.50% · 4.625%
HK$48,004
+HK$2,404/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,200/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,000
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,555
−HK$1,580/mo
Today · 4.125%
HK$53,135
baseline
▲ 0.50% · 4.625%
HK$56,368
+HK$3,233/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,270/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,624
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,116
−HK$1,513/mo
Today · 4.125%
HK$58,629
baseline
▲ 0.50% · 4.625%
HK$61,720
+HK$3,091/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,258/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,816 · Scale 2, in force from 26 Feb 2026)