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$27,827
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,693
−HK$879/mo
Today · 4.125%
HK$29,572
baseline
▲ 0.50% · 4.625%
HK$31,372
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,144/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,958
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,788
−HK$842/mo
Today · 4.125%
HK$32,630
baseline
▲ 0.50% · 4.625%
HK$34,350
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,260/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,393
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,432
−HK$1,055/mo
Today · 4.125%
HK$35,487
baseline
▲ 0.50% · 4.625%
HK$37,646
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,974/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,149
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,146
−HK$1,010/mo
Today · 4.125%
HK$39,156
baseline
▲ 0.50% · 4.625%
HK$41,220
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,312/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,958
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,170
−HK$1,231/mo
Today · 4.125%
HK$41,401
baseline
▲ 0.50% · 4.625%
HK$43,921
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,802/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,341
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,503
−HK$1,179/mo
Today · 4.125%
HK$45,682
baseline
▲ 0.50% · 4.625%
HK$48,090
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,364/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,089
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,647
−HK$1,583/mo
Today · 4.125%
HK$53,230
baseline
▲ 0.50% · 4.625%
HK$56,469
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,460/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,724
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,218
−HK$1,517/mo
Today · 4.125%
HK$58,735
baseline
▲ 0.50% · 4.625%
HK$61,831
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,470/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,637 · Scale 2, in force from 26 Feb 2026)