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$27,736
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,599
−HK$877/mo
Today · 4.125%
HK$29,476
baseline
▲ 0.50% · 4.625%
HK$31,269
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,952/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,684
−HK$840/mo
Today · 4.125%
HK$32,524
baseline
▲ 0.50% · 4.625%
HK$34,238
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,048/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,284
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,319
−HK$1,052/mo
Today · 4.125%
HK$35,371
baseline
▲ 0.50% · 4.625%
HK$37,523
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,742/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,028
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,021
−HK$1,007/mo
Today · 4.125%
HK$39,028
baseline
▲ 0.50% · 4.625%
HK$41,086
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,056/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,831
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,039
−HK$1,227/mo
Today · 4.125%
HK$41,266
baseline
▲ 0.50% · 4.625%
HK$43,777
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,532/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,199
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,358
−HK$1,175/mo
Today · 4.125%
HK$45,533
baseline
▲ 0.50% · 4.625%
HK$47,933
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,066/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,926
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,479
−HK$1,577/mo
Today · 4.125%
HK$53,056
baseline
▲ 0.50% · 4.625%
HK$56,285
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,112/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,542
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,031
−HK$1,511/mo
Today · 4.125%
HK$58,542
baseline
▲ 0.50% · 4.625%
HK$61,628
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,084/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,140 · Scale 2, in force from 26 Feb 2026)