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$27,735
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,598
−HK$876/mo
Today · 4.125%
HK$29,474
baseline
▲ 0.50% · 4.625%
HK$31,268
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,948/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,855
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,682
−HK$840/mo
Today · 4.125%
HK$32,522
baseline
▲ 0.50% · 4.625%
HK$34,236
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,044/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,282
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,317
−HK$1,052/mo
Today · 4.125%
HK$35,369
baseline
▲ 0.50% · 4.625%
HK$37,521
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,738/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,026
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,019
−HK$1,007/mo
Today · 4.125%
HK$39,026
baseline
▲ 0.50% · 4.625%
HK$41,083
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,052/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,829
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,037
−HK$1,227/mo
Today · 4.125%
HK$41,264
baseline
▲ 0.50% · 4.625%
HK$43,775
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,528/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,197
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,355
−HK$1,176/mo
Today · 4.125%
HK$45,531
baseline
▲ 0.50% · 4.625%
HK$47,931
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,062/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,923
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,476
−HK$1,577/mo
Today · 4.125%
HK$53,053
baseline
▲ 0.50% · 4.625%
HK$56,282
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,106/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,539
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,028
−HK$1,511/mo
Today · 4.125%
HK$58,539
baseline
▲ 0.50% · 4.625%
HK$61,625
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,078/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,116 · Scale 2, in force from 26 Feb 2026)