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$27,813
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,678
−HK$879/mo
Today · 4.125%
HK$29,557
baseline
▲ 0.50% · 4.625%
HK$31,356
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,114/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,942
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,772
−HK$842/mo
Today · 4.125%
HK$32,614
baseline
▲ 0.50% · 4.625%
HK$34,333
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,228/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,376
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,414
−HK$1,055/mo
Today · 4.125%
HK$35,469
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,938/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,130
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,126
−HK$1,010/mo
Today · 4.125%
HK$39,136
baseline
▲ 0.50% · 4.625%
HK$41,199
+HK$2,063/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,272/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,938
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,150
−HK$1,230/mo
Today · 4.125%
HK$41,380
baseline
▲ 0.50% · 4.625%
HK$43,898
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,760/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,319
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,480
−HK$1,179/mo
Today · 4.125%
HK$45,659
baseline
▲ 0.50% · 4.625%
HK$48,066
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,318/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,064
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,621
−HK$1,582/mo
Today · 4.125%
HK$53,203
baseline
▲ 0.50% · 4.625%
HK$56,440
+HK$3,237/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,406/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,695
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,189
−HK$1,515/mo
Today · 4.125%
HK$58,704
baseline
▲ 0.50% · 4.625%
HK$61,799
+HK$3,095/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,408/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,402 · Scale 2, in force from 26 Feb 2026)