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$28,595
−HK$877/mo
Today · 4.125%
HK$29,472
baseline
▲ 0.50% · 4.625%
HK$31,265
+HK$1,793/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$456,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,852
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,680
−HK$839/mo
Today · 4.125%
HK$32,519
baseline
▲ 0.50% · 4.625%
HK$34,233
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,038/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,279
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,314
−HK$1,052/mo
Today · 4.125%
HK$35,366
baseline
▲ 0.50% · 4.625%
HK$37,518
+HK$2,152/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$70,732/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,023
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,016
−HK$1,007/mo
Today · 4.125%
HK$39,023
baseline
▲ 0.50% · 4.625%
HK$41,080
+HK$2,057/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$78,046/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,826
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,227/mo
Today · 4.125%
HK$41,260
baseline
▲ 0.50% · 4.625%
HK$43,771
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,520/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,193
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,352
−HK$1,175/mo
Today · 4.125%
HK$45,527
baseline
▲ 0.50% · 4.625%
HK$47,927
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,054/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,919
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,471
−HK$1,578/mo
Today · 4.125%
HK$53,049
baseline
▲ 0.50% · 4.625%
HK$56,277
+HK$3,228/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,098/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,534
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,023
−HK$1,511/mo
Today · 4.125%
HK$58,534
baseline
▲ 0.50% · 4.625%
HK$61,620
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,068/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,078 · Scale 2, in force from 26 Feb 2026)