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$27,743
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,606
−HK$877/mo
Today · 4.125%
HK$29,483
baseline
▲ 0.50% · 4.625%
HK$31,277
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,966/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,864
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,692
−HK$840/mo
Today · 4.125%
HK$32,532
baseline
▲ 0.50% · 4.625%
HK$34,247
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,064/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,292
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,328
−HK$1,052/mo
Today · 4.125%
HK$35,380
baseline
▲ 0.50% · 4.625%
HK$37,533
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,760/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,037
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,030
−HK$1,008/mo
Today · 4.125%
HK$39,038
baseline
▲ 0.50% · 4.625%
HK$41,096
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,076/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,841
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,049
−HK$1,227/mo
Today · 4.125%
HK$41,276
baseline
▲ 0.50% · 4.625%
HK$43,788
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,552/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,210
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,369
−HK$1,175/mo
Today · 4.125%
HK$45,544
baseline
▲ 0.50% · 4.625%
HK$47,945
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,088/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,938
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,491
−HK$1,579/mo
Today · 4.125%
HK$53,070
baseline
▲ 0.50% · 4.625%
HK$56,299
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,140/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,556
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,046
−HK$1,511/mo
Today · 4.125%
HK$58,557
baseline
▲ 0.50% · 4.625%
HK$61,644
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,114/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,255 · Scale 2, in force from 26 Feb 2026)