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$27,821
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,686
−HK$879/mo
Today · 4.125%
HK$29,565
baseline
▲ 0.50% · 4.625%
HK$31,364
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,130/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,950
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,780
−HK$842/mo
Today · 4.125%
HK$32,622
baseline
▲ 0.50% · 4.625%
HK$34,342
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,244/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,385
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,423
−HK$1,055/mo
Today · 4.125%
HK$35,478
baseline
▲ 0.50% · 4.625%
HK$37,637
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,956/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,140
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,136
−HK$1,011/mo
Today · 4.125%
HK$39,147
baseline
▲ 0.50% · 4.625%
HK$41,210
+HK$2,063/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,294/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,949
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,230/mo
Today · 4.125%
HK$41,391
baseline
▲ 0.50% · 4.625%
HK$43,910
+HK$2,519/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,782/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,330
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,492
−HK$1,179/mo
Today · 4.125%
HK$45,671
baseline
▲ 0.50% · 4.625%
HK$48,079
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,342/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,077
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,635
−HK$1,583/mo
Today · 4.125%
HK$53,218
baseline
▲ 0.50% · 4.625%
HK$56,456
+HK$3,238/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,436/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,710
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,205
−HK$1,515/mo
Today · 4.125%
HK$58,720
baseline
▲ 0.50% · 4.625%
HK$61,816
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,440/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,526 · Scale 2, in force from 26 Feb 2026)