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$27,734
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,596
−HK$877/mo
Today · 4.125%
HK$29,473
baseline
▲ 0.50% · 4.625%
HK$31,266
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,946/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,853
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,681
−HK$839/mo
Today · 4.125%
HK$32,520
baseline
▲ 0.50% · 4.625%
HK$34,235
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,040/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,280
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,316
−HK$1,051/mo
Today · 4.125%
HK$35,367
baseline
▲ 0.50% · 4.625%
HK$37,519
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,734/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,024
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,017
−HK$1,007/mo
Today · 4.125%
HK$39,024
baseline
▲ 0.50% · 4.625%
HK$41,081
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,048/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,827
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,035
−HK$1,227/mo
Today · 4.125%
HK$41,262
baseline
▲ 0.50% · 4.625%
HK$43,773
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,524/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,195
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,353
−HK$1,176/mo
Today · 4.125%
HK$45,529
baseline
▲ 0.50% · 4.625%
HK$47,928
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,058/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,921
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,473
−HK$1,578/mo
Today · 4.125%
HK$53,051
baseline
▲ 0.50% · 4.625%
HK$56,279
+HK$3,228/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,102/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,536
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,026
−HK$1,511/mo
Today · 4.125%
HK$58,537
baseline
▲ 0.50% · 4.625%
HK$61,622
+HK$3,085/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,074/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,095 · Scale 2, in force from 26 Feb 2026)