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$27,779
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,643
−HK$878/mo
Today · 4.125%
HK$29,521
baseline
▲ 0.50% · 4.625%
HK$31,318
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,042/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,904
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,733
−HK$841/mo
Today · 4.125%
HK$32,574
baseline
▲ 0.50% · 4.625%
HK$34,291
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,148/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,335
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,372
−HK$1,054/mo
Today · 4.125%
HK$35,426
baseline
▲ 0.50% · 4.625%
HK$37,581
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,852/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,085
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,080
−HK$1,009/mo
Today · 4.125%
HK$39,089
baseline
▲ 0.50% · 4.625%
HK$41,149
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,178/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,891
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,101
−HK$1,229/mo
Today · 4.125%
HK$41,330
baseline
▲ 0.50% · 4.625%
HK$43,845
+HK$2,515/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,660/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,266
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,426
−HK$1,178/mo
Today · 4.125%
HK$45,604
baseline
▲ 0.50% · 4.625%
HK$48,007
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,208/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,003
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,558
−HK$1,581/mo
Today · 4.125%
HK$53,139
baseline
▲ 0.50% · 4.625%
HK$56,372
+HK$3,233/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,278/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,628
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,120
−HK$1,513/mo
Today · 4.125%
HK$58,633
baseline
▲ 0.50% · 4.625%
HK$61,724
+HK$3,091/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,266/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,847 · Scale 2, in force from 26 Feb 2026)