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$27,841
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,707
−HK$880/mo
Today · 4.125%
HK$29,587
baseline
▲ 0.50% · 4.625%
HK$31,387
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,174/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,973
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,804
−HK$842/mo
Today · 4.125%
HK$32,646
baseline
▲ 0.50% · 4.625%
HK$34,367
+HK$1,721/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,292/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,409
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,448
−HK$1,056/mo
Today · 4.125%
HK$35,504
baseline
▲ 0.50% · 4.625%
HK$37,665
+HK$2,161/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,008/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,167
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,164
−HK$1,011/mo
Today · 4.125%
HK$39,175
baseline
▲ 0.50% · 4.625%
HK$41,240
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,350/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,977
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,190
−HK$1,232/mo
Today · 4.125%
HK$41,422
baseline
▲ 0.50% · 4.625%
HK$43,942
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,844/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,362
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,525
−HK$1,180/mo
Today · 4.125%
HK$45,705
baseline
▲ 0.50% · 4.625%
HK$48,114
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,410/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,114
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,673
−HK$1,583/mo
Today · 4.125%
HK$53,256
baseline
▲ 0.50% · 4.625%
HK$56,497
+HK$3,241/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,512/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,751
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,246
−HK$1,517/mo
Today · 4.125%
HK$58,763
baseline
▲ 0.50% · 4.625%
HK$61,861
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,526/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,861 · Scale 2, in force from 26 Feb 2026)