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$27,791
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,655
−HK$878/mo
Today · 4.125%
HK$29,533
baseline
▲ 0.50% · 4.625%
HK$31,330
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,066/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,917
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,746
−HK$841/mo
Today · 4.125%
HK$32,587
baseline
▲ 0.50% · 4.625%
HK$34,305
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,174/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,349
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,386
−HK$1,054/mo
Today · 4.125%
HK$35,440
baseline
▲ 0.50% · 4.625%
HK$37,596
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,880/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,100
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,095
−HK$1,009/mo
Today · 4.125%
HK$39,104
baseline
▲ 0.50% · 4.625%
HK$41,166
+HK$2,062/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,208/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,907
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,117
−HK$1,230/mo
Today · 4.125%
HK$41,347
baseline
▲ 0.50% · 4.625%
HK$43,862
+HK$2,515/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,694/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,283
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,444
−HK$1,178/mo
Today · 4.125%
HK$45,622
baseline
▲ 0.50% · 4.625%
HK$48,027
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,244/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,023
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,579
−HK$1,581/mo
Today · 4.125%
HK$53,160
baseline
▲ 0.50% · 4.625%
HK$56,395
+HK$3,235/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,320/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,650
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,143
−HK$1,514/mo
Today · 4.125%
HK$58,657
baseline
▲ 0.50% · 4.625%
HK$61,749
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,314/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,030 · Scale 2, in force from 26 Feb 2026)