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$27,834
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,700
−HK$880/mo
Today · 4.125%
HK$29,580
baseline
▲ 0.50% · 4.625%
HK$31,380
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,160/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,966
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,796
−HK$843/mo
Today · 4.125%
HK$32,639
baseline
▲ 0.50% · 4.625%
HK$34,359
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,278/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,401
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,440
−HK$1,056/mo
Today · 4.125%
HK$35,496
baseline
▲ 0.50% · 4.625%
HK$37,656
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,992/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,159
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,155
−HK$1,011/mo
Today · 4.125%
HK$39,166
baseline
▲ 0.50% · 4.625%
HK$41,231
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,332/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,968
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,180
−HK$1,232/mo
Today · 4.125%
HK$41,412
baseline
▲ 0.50% · 4.625%
HK$43,932
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,824/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,352
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,514
−HK$1,180/mo
Today · 4.125%
HK$45,694
baseline
▲ 0.50% · 4.625%
HK$48,103
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,388/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,102
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,660
−HK$1,584/mo
Today · 4.125%
HK$53,244
baseline
▲ 0.50% · 4.625%
HK$56,484
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,488/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,738
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,233
−HK$1,516/mo
Today · 4.125%
HK$58,749
baseline
▲ 0.50% · 4.625%
HK$61,846
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,498/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,753 · Scale 2, in force from 26 Feb 2026)