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$27,751
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,614
−HK$877/mo
Today · 4.125%
HK$29,491
baseline
▲ 0.50% · 4.625%
HK$31,285
+HK$1,794/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$58,982/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,872
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,700
−HK$840/mo
Today · 4.125%
HK$32,540
baseline
▲ 0.50% · 4.625%
HK$34,256
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,080/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,301
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,337
−HK$1,052/mo
Today · 4.125%
HK$35,389
baseline
▲ 0.50% · 4.625%
HK$37,543
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,778/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,047
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,041
−HK$1,007/mo
Today · 4.125%
HK$39,048
baseline
▲ 0.50% · 4.625%
HK$41,107
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,096/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,851
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,060
−HK$1,227/mo
Today · 4.125%
HK$41,287
baseline
▲ 0.50% · 4.625%
HK$43,800
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,574/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,221
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,381
−HK$1,176/mo
Today · 4.125%
HK$45,557
baseline
▲ 0.50% · 4.625%
HK$47,958
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,114/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,951
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,505
−HK$1,579/mo
Today · 4.125%
HK$53,084
baseline
▲ 0.50% · 4.625%
HK$56,314
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,168/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,570
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,061
−HK$1,512/mo
Today · 4.125%
HK$58,573
baseline
▲ 0.50% · 4.625%
HK$61,660
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,146/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,376 · Scale 2, in force from 26 Feb 2026)