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$27,773
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,636
−HK$878/mo
Today · 4.125%
HK$29,514
baseline
▲ 0.50% · 4.625%
HK$31,310
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,028/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,897
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,725
−HK$841/mo
Today · 4.125%
HK$32,566
baseline
▲ 0.50% · 4.625%
HK$34,283
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,132/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,327
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,364
−HK$1,053/mo
Today · 4.125%
HK$35,417
baseline
▲ 0.50% · 4.625%
HK$37,572
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,834/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,076
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,070
−HK$1,009/mo
Today · 4.125%
HK$39,079
baseline
▲ 0.50% · 4.625%
HK$41,139
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,158/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,882
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,091
−HK$1,229/mo
Today · 4.125%
HK$41,320
baseline
▲ 0.50% · 4.625%
HK$43,834
+HK$2,514/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,640/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,255
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,415
−HK$1,177/mo
Today · 4.125%
HK$45,592
baseline
▲ 0.50% · 4.625%
HK$47,996
+HK$2,404/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,184/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,991
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,546
−HK$1,580/mo
Today · 4.125%
HK$53,126
baseline
▲ 0.50% · 4.625%
HK$56,358
+HK$3,232/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,252/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,614
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,106
−HK$1,513/mo
Today · 4.125%
HK$58,619
baseline
▲ 0.50% · 4.625%
HK$61,709
+HK$3,090/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,238/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,735 · Scale 2, in force from 26 Feb 2026)