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$27,781
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,645
−HK$878/mo
Today · 4.125%
HK$29,523
baseline
▲ 0.50% · 4.625%
HK$31,320
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,046/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,906
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,735
−HK$841/mo
Today · 4.125%
HK$32,576
baseline
▲ 0.50% · 4.625%
HK$34,293
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,152/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,337
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,374
−HK$1,054/mo
Today · 4.125%
HK$35,428
baseline
▲ 0.50% · 4.625%
HK$37,584
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,856/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,088
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,082
−HK$1,009/mo
Today · 4.125%
HK$39,091
baseline
▲ 0.50% · 4.625%
HK$41,152
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,182/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,894
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,104
−HK$1,229/mo
Today · 4.125%
HK$41,333
baseline
▲ 0.50% · 4.625%
HK$43,848
+HK$2,515/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,666/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,269
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,429
−HK$1,178/mo
Today · 4.125%
HK$45,607
baseline
▲ 0.50% · 4.625%
HK$48,011
+HK$2,404/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,214/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,006
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,562
−HK$1,580/mo
Today · 4.125%
HK$53,142
baseline
▲ 0.50% · 4.625%
HK$56,376
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,284/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,631
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,123
−HK$1,514/mo
Today · 4.125%
HK$58,637
baseline
▲ 0.50% · 4.625%
HK$61,728
+HK$3,091/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,274/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,877 · Scale 2, in force from 26 Feb 2026)