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$27,823
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,688
−HK$879/mo
Today · 4.125%
HK$29,567
baseline
▲ 0.50% · 4.625%
HK$31,366
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,134/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,952
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,782
−HK$843/mo
Today · 4.125%
HK$32,625
baseline
▲ 0.50% · 4.625%
HK$34,344
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,250/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,387
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,426
−HK$1,055/mo
Today · 4.125%
HK$35,481
baseline
▲ 0.50% · 4.625%
HK$37,640
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,962/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,143
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,139
−HK$1,011/mo
Today · 4.125%
HK$39,150
baseline
▲ 0.50% · 4.625%
HK$41,213
+HK$2,063/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,300/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,952
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,163
−HK$1,231/mo
Today · 4.125%
HK$41,394
baseline
▲ 0.50% · 4.625%
HK$43,913
+HK$2,519/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,788/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,333
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,495
−HK$1,179/mo
Today · 4.125%
HK$45,674
baseline
▲ 0.50% · 4.625%
HK$48,082
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,348/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,081
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,638
−HK$1,583/mo
Today · 4.125%
HK$53,221
baseline
▲ 0.50% · 4.625%
HK$56,460
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,442/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,714
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,208
−HK$1,516/mo
Today · 4.125%
HK$58,724
baseline
▲ 0.50% · 4.625%
HK$61,820
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,448/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,557 · Scale 2, in force from 26 Feb 2026)