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$27,757
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,620
−HK$878/mo
Today · 4.125%
HK$29,498
baseline
▲ 0.50% · 4.625%
HK$31,292
+HK$1,794/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$58,996/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,879
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,707
−HK$841/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,263
+HK$1,715/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,308
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,344
−HK$1,053/mo
Today · 4.125%
HK$35,397
baseline
▲ 0.50% · 4.625%
HK$37,551
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,794/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,055
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,049
−HK$1,008/mo
Today · 4.125%
HK$39,057
baseline
▲ 0.50% · 4.625%
HK$41,116
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,114/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,860
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,068
−HK$1,229/mo
Today · 4.125%
HK$41,297
baseline
▲ 0.50% · 4.625%
HK$43,809
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,594/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,231
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,390
−HK$1,177/mo
Today · 4.125%
HK$45,567
baseline
▲ 0.50% · 4.625%
HK$47,969
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,134/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,963
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,517
−HK$1,579/mo
Today · 4.125%
HK$53,096
baseline
▲ 0.50% · 4.625%
HK$56,326
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,192/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,583
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,073
−HK$1,513/mo
Today · 4.125%
HK$58,586
baseline
▲ 0.50% · 4.625%
HK$61,674
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,172/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,478 · Scale 2, in force from 26 Feb 2026)