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$27,798
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,662
−HK$879/mo
Today · 4.125%
HK$29,541
baseline
▲ 0.50% · 4.625%
HK$31,338
+HK$1,797/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,082/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,925
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,754
−HK$841/mo
Today · 4.125%
HK$32,595
baseline
▲ 0.50% · 4.625%
HK$34,314
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,190/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,357
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,395
−HK$1,054/mo
Today · 4.125%
HK$35,449
baseline
▲ 0.50% · 4.625%
HK$37,606
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,898/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,110
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,105
−HK$1,009/mo
Today · 4.125%
HK$39,114
baseline
▲ 0.50% · 4.625%
HK$41,176
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,228/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,917
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,127
−HK$1,230/mo
Today · 4.125%
HK$41,357
baseline
▲ 0.50% · 4.625%
HK$43,874
+HK$2,517/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,714/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,294
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,456
−HK$1,178/mo
Today · 4.125%
HK$45,634
baseline
▲ 0.50% · 4.625%
HK$48,039
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,268/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,036
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,592
−HK$1,581/mo
Today · 4.125%
HK$53,173
baseline
▲ 0.50% · 4.625%
HK$56,409
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,346/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,664
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,157
−HK$1,515/mo
Today · 4.125%
HK$58,672
baseline
▲ 0.50% · 4.625%
HK$61,764
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,344/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,147 · Scale 2, in force from 26 Feb 2026)