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$27,801
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,666
−HK$878/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,342
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,928
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,758
−HK$841/mo
Today · 4.125%
HK$32,599
baseline
▲ 0.50% · 4.625%
HK$34,318
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,198/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,361
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,399
−HK$1,054/mo
Today · 4.125%
HK$35,453
baseline
▲ 0.50% · 4.625%
HK$37,611
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,906/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,114
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,110
−HK$1,009/mo
Today · 4.125%
HK$39,119
baseline
▲ 0.50% · 4.625%
HK$41,181
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,238/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,922
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,132
−HK$1,230/mo
Today · 4.125%
HK$41,362
baseline
▲ 0.50% · 4.625%
HK$43,879
+HK$2,517/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,724/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,300
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,461
−HK$1,178/mo
Today · 4.125%
HK$45,639
baseline
▲ 0.50% · 4.625%
HK$48,045
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,278/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,042
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,599
−HK$1,581/mo
Today · 4.125%
HK$53,180
baseline
▲ 0.50% · 4.625%
HK$56,416
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,360/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,671
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,164
−HK$1,515/mo
Today · 4.125%
HK$58,679
baseline
▲ 0.50% · 4.625%
HK$61,772
+HK$3,093/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,358/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,204 · Scale 2, in force from 26 Feb 2026)