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$27,790
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,654
−HK$879/mo
Today · 4.125%
HK$29,533
baseline
▲ 0.50% · 4.625%
HK$31,330
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,066/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,916
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,745
−HK$841/mo
Today · 4.125%
HK$32,586
baseline
▲ 0.50% · 4.625%
HK$34,304
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,172/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,348
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,385
−HK$1,054/mo
Today · 4.125%
HK$35,439
baseline
▲ 0.50% · 4.625%
HK$37,596
+HK$2,157/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,878/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,099
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,094
−HK$1,010/mo
Today · 4.125%
HK$39,104
baseline
▲ 0.50% · 4.625%
HK$41,165
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,208/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,906
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,116
−HK$1,230/mo
Today · 4.125%
HK$41,346
baseline
▲ 0.50% · 4.625%
HK$43,862
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,692/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,282
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,443
−HK$1,178/mo
Today · 4.125%
HK$45,621
baseline
▲ 0.50% · 4.625%
HK$48,026
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,242/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,022
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,578
−HK$1,581/mo
Today · 4.125%
HK$53,159
baseline
▲ 0.50% · 4.625%
HK$56,393
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,318/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,649
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,141
−HK$1,514/mo
Today · 4.125%
HK$58,655
baseline
▲ 0.50% · 4.625%
HK$61,747
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,310/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,021 · Scale 2, in force from 26 Feb 2026)