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$27,786
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,651
−HK$878/mo
Today · 4.125%
HK$29,529
baseline
▲ 0.50% · 4.625%
HK$31,326
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,058/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,912
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,741
−HK$841/mo
Today · 4.125%
HK$32,582
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,164/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,344
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,381
−HK$1,054/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,591
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,094
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,089
−HK$1,010/mo
Today · 4.125%
HK$39,099
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,198/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,901
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,111
−HK$1,229/mo
Today · 4.125%
HK$41,340
baseline
▲ 0.50% · 4.625%
HK$43,856
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,680/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,277
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,438
−HK$1,177/mo
Today · 4.125%
HK$45,615
baseline
▲ 0.50% · 4.625%
HK$48,019
+HK$2,404/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,230/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,016
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,571
−HK$1,581/mo
Today · 4.125%
HK$53,152
baseline
▲ 0.50% · 4.625%
HK$56,386
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,304/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,642
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,134
−HK$1,514/mo
Today · 4.125%
HK$58,648
baseline
▲ 0.50% · 4.625%
HK$61,739
+HK$3,091/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,296/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,962 · Scale 2, in force from 26 Feb 2026)