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$27,796
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,661
−HK$878/mo
Today · 4.125%
HK$29,539
baseline
▲ 0.50% · 4.625%
HK$31,336
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,078/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,923
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,752
−HK$841/mo
Today · 4.125%
HK$32,593
baseline
▲ 0.50% · 4.625%
HK$34,312
+HK$1,719/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,186/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,355
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,393
−HK$1,054/mo
Today · 4.125%
HK$35,447
baseline
▲ 0.50% · 4.625%
HK$37,604
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,894/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,107
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,103
−HK$1,009/mo
Today · 4.125%
HK$39,112
baseline
▲ 0.50% · 4.625%
HK$41,174
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,224/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,914
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,125
−HK$1,230/mo
Today · 4.125%
HK$41,355
baseline
▲ 0.50% · 4.625%
HK$43,871
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,710/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,292
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,453
−HK$1,178/mo
Today · 4.125%
HK$45,631
baseline
▲ 0.50% · 4.625%
HK$48,036
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,262/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,033
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,589
−HK$1,581/mo
Today · 4.125%
HK$53,170
baseline
▲ 0.50% · 4.625%
HK$56,406
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,340/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,661
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,154
−HK$1,514/mo
Today · 4.125%
HK$58,668
baseline
▲ 0.50% · 4.625%
HK$61,761
+HK$3,093/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,336/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,121 · Scale 2, in force from 26 Feb 2026)