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$27,751
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,615
−HK$877/mo
Today · 4.125%
HK$29,492
baseline
▲ 0.50% · 4.625%
HK$31,286
+HK$1,794/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$58,984/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,873
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,701
−HK$840/mo
Today · 4.125%
HK$32,541
baseline
▲ 0.50% · 4.625%
HK$34,257
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,082/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,302
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,338
−HK$1,052/mo
Today · 4.125%
HK$35,390
baseline
▲ 0.50% · 4.625%
HK$37,544
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,780/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,048
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,042
−HK$1,007/mo
Today · 4.125%
HK$39,049
baseline
▲ 0.50% · 4.625%
HK$41,108
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,098/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,852
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,061
−HK$1,227/mo
Today · 4.125%
HK$41,288
baseline
▲ 0.50% · 4.625%
HK$43,801
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,576/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,223
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,382
−HK$1,176/mo
Today · 4.125%
HK$45,558
baseline
▲ 0.50% · 4.625%
HK$47,959
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,116/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,953
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,506
−HK$1,579/mo
Today · 4.125%
HK$53,085
baseline
▲ 0.50% · 4.625%
HK$56,315
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,170/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,572
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,062
−HK$1,512/mo
Today · 4.125%
HK$58,574
baseline
▲ 0.50% · 4.625%
HK$61,662
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,148/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,388 · Scale 2, in force from 26 Feb 2026)