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$27,785
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,649
−HK$878/mo
Today · 4.125%
HK$29,527
baseline
▲ 0.50% · 4.625%
HK$31,324
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,054/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,910
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,739
−HK$841/mo
Today · 4.125%
HK$32,580
baseline
▲ 0.50% · 4.625%
HK$34,298
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,160/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,342
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,379
−HK$1,053/mo
Today · 4.125%
HK$35,432
baseline
▲ 0.50% · 4.625%
HK$37,588
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,864/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,092
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,087
−HK$1,009/mo
Today · 4.125%
HK$39,096
baseline
▲ 0.50% · 4.625%
HK$41,157
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,192/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,899
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,229/mo
Today · 4.125%
HK$41,338
baseline
▲ 0.50% · 4.625%
HK$43,853
+HK$2,515/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,676/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,274
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,435
−HK$1,177/mo
Today · 4.125%
HK$45,612
baseline
▲ 0.50% · 4.625%
HK$48,017
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,224/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,012
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,568
−HK$1,581/mo
Today · 4.125%
HK$53,149
baseline
▲ 0.50% · 4.625%
HK$56,383
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,298/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,638
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,131
−HK$1,513/mo
Today · 4.125%
HK$58,644
baseline
▲ 0.50% · 4.625%
HK$61,736
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,288/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,934 · Scale 2, in force from 26 Feb 2026)