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$27,755
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,618
−HK$878/mo
Today · 4.125%
HK$29,496
baseline
▲ 0.50% · 4.625%
HK$31,290
+HK$1,794/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$58,992/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,877
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,705
−HK$840/mo
Today · 4.125%
HK$32,545
baseline
▲ 0.50% · 4.625%
HK$34,261
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,090/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,306
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,342
−HK$1,053/mo
Today · 4.125%
HK$35,395
baseline
▲ 0.50% · 4.625%
HK$37,548
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,790/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,053
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,046
−HK$1,009/mo
Today · 4.125%
HK$39,055
baseline
▲ 0.50% · 4.625%
HK$41,113
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,110/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,857
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,066
−HK$1,228/mo
Today · 4.125%
HK$41,294
baseline
▲ 0.50% · 4.625%
HK$43,806
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,588/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,228
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,388
−HK$1,176/mo
Today · 4.125%
HK$45,564
baseline
▲ 0.50% · 4.625%
HK$47,965
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,128/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,959
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,513
−HK$1,579/mo
Today · 4.125%
HK$53,092
baseline
▲ 0.50% · 4.625%
HK$56,323
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,184/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,579
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,070
−HK$1,512/mo
Today · 4.125%
HK$58,582
baseline
▲ 0.50% · 4.625%
HK$61,670
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,164/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,447 · Scale 2, in force from 26 Feb 2026)