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$27,838
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,704
−HK$879/mo
Today · 4.125%
HK$29,583
baseline
▲ 0.50% · 4.625%
HK$31,383
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,166/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,969
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,800
−HK$842/mo
Today · 4.125%
HK$32,642
baseline
▲ 0.50% · 4.625%
HK$34,363
+HK$1,721/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,284/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,405
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,444
−HK$1,056/mo
Today · 4.125%
HK$35,500
baseline
▲ 0.50% · 4.625%
HK$37,660
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$71,000/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,163
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,160
−HK$1,011/mo
Today · 4.125%
HK$39,171
baseline
▲ 0.50% · 4.625%
HK$41,236
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,342/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,973
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,185
−HK$1,232/mo
Today · 4.125%
HK$41,417
baseline
▲ 0.50% · 4.625%
HK$43,937
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,834/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,357
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,520
−HK$1,179/mo
Today · 4.125%
HK$45,699
baseline
▲ 0.50% · 4.625%
HK$48,108
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,398/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,108
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,667
−HK$1,583/mo
Today · 4.125%
HK$53,250
baseline
▲ 0.50% · 4.625%
HK$56,490
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,500/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,745
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,240
−HK$1,516/mo
Today · 4.125%
HK$58,756
baseline
▲ 0.50% · 4.625%
HK$61,853
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,512/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,806 · Scale 2, in force from 26 Feb 2026)