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$27,929
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$28,797
−HK$883/mo
Today · 4.125%
HK$29,680
baseline
▲ 0.50% · 4.625%
HK$31,486
+HK$1,806/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$59,360/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,070
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$31,904
−HK$845/mo
Today · 4.125%
HK$32,749
baseline
▲ 0.50% · 4.625%
HK$34,475
+HK$1,726/mo
Deposit HK$6.12M · loan HK$6.12M · min. income ≈ HK$65,498/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$459,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,514
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,557
−HK$1,059/mo
Today · 4.125%
HK$35,616
baseline
▲ 0.50% · 4.625%
HK$37,783
+HK$2,167/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,232/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,284
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,284
−HK$1,015/mo
Today · 4.125%
HK$39,299
baseline
▲ 0.50% · 4.625%
HK$41,370
+HK$2,071/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,598/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,100
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,316
−HK$1,236/mo
Today · 4.125%
HK$41,552
baseline
▲ 0.50% · 4.625%
HK$44,080
+HK$2,528/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$83,104/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,498
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,665
−HK$1,183/mo
Today · 4.125%
HK$45,848
baseline
▲ 0.50% · 4.625%
HK$48,265
+HK$2,417/mo
Deposit HK$3.67M · loan HK$8.57M · min. income ≈ HK$91,696/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$459,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,271
−HK$3,153/mo
▼ 0.25% · 3.875%
HK$51,835
−HK$1,589/mo
Today · 4.125%
HK$53,424
baseline
▲ 0.50% · 4.625%
HK$56,675
+HK$3,251/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$106,848/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,926
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$57,426
−HK$1,522/mo
Today · 4.125%
HK$58,948
baseline
▲ 0.50% · 4.625%
HK$62,055
+HK$3,107/mo
Deposit HK$1.22M · loan HK$11.02M · min. income ≈ HK$117,896/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$459,300 · Scale 2, in force from 26 Feb 2026)