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$27,742
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,605
−HK$877/mo
Today · 4.125%
HK$29,482
baseline
▲ 0.50% · 4.625%
HK$31,276
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,964/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,863
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,691
−HK$840/mo
Today · 4.125%
HK$32,531
baseline
▲ 0.50% · 4.625%
HK$34,245
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,062/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,291
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,326
−HK$1,053/mo
Today · 4.125%
HK$35,379
baseline
▲ 0.50% · 4.625%
HK$37,531
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,758/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,036
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,029
−HK$1,008/mo
Today · 4.125%
HK$39,037
baseline
▲ 0.50% · 4.625%
HK$41,094
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,074/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,839
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,047
−HK$1,228/mo
Today · 4.125%
HK$41,275
baseline
▲ 0.50% · 4.625%
HK$43,786
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,550/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,208
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,367
−HK$1,176/mo
Today · 4.125%
HK$45,543
baseline
▲ 0.50% · 4.625%
HK$47,943
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,086/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,936
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,490
−HK$1,578/mo
Today · 4.125%
HK$53,068
baseline
▲ 0.50% · 4.625%
HK$56,297
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,136/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,554
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,044
−HK$1,511/mo
Today · 4.125%
HK$58,555
baseline
▲ 0.50% · 4.625%
HK$61,642
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,110/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,239 · Scale 2, in force from 26 Feb 2026)