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$27,824
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,689
−HK$880/mo
Today · 4.125%
HK$29,569
baseline
▲ 0.50% · 4.625%
HK$31,368
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,138/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,954
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,784
−HK$842/mo
Today · 4.125%
HK$32,626
baseline
▲ 0.50% · 4.625%
HK$34,346
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,252/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,389
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,427
−HK$1,055/mo
Today · 4.125%
HK$35,482
baseline
▲ 0.50% · 4.625%
HK$37,642
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,964/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,145
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,141
−HK$1,010/mo
Today · 4.125%
HK$39,151
baseline
▲ 0.50% · 4.625%
HK$41,215
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,302/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,954
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,165
−HK$1,231/mo
Today · 4.125%
HK$41,396
baseline
▲ 0.50% · 4.625%
HK$43,915
+HK$2,519/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,792/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,335
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,498
−HK$1,179/mo
Today · 4.125%
HK$45,677
baseline
▲ 0.50% · 4.625%
HK$48,084
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,354/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,083
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,641
−HK$1,583/mo
Today · 4.125%
HK$53,224
baseline
▲ 0.50% · 4.625%
HK$56,462
+HK$3,238/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,448/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,717
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,211
−HK$1,516/mo
Today · 4.125%
HK$58,727
baseline
▲ 0.50% · 4.625%
HK$61,823
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,454/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,580 · Scale 2, in force from 26 Feb 2026)