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$27,834
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,700
−HK$879/mo
Today · 4.125%
HK$29,579
baseline
▲ 0.50% · 4.625%
HK$31,379
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,158/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,965
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,796
−HK$842/mo
Today · 4.125%
HK$32,638
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,276/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,401
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,440
−HK$1,055/mo
Today · 4.125%
HK$35,495
baseline
▲ 0.50% · 4.625%
HK$37,655
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,990/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,155
−HK$1,011/mo
Today · 4.125%
HK$39,166
baseline
▲ 0.50% · 4.625%
HK$41,230
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,332/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,968
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,180
−HK$1,231/mo
Today · 4.125%
HK$41,411
baseline
▲ 0.50% · 4.625%
HK$43,931
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,822/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,351
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,514
−HK$1,179/mo
Today · 4.125%
HK$45,693
baseline
▲ 0.50% · 4.625%
HK$48,102
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,386/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,101
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,660
−HK$1,583/mo
Today · 4.125%
HK$53,243
baseline
▲ 0.50% · 4.625%
HK$56,483
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,486/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,737
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,516/mo
Today · 4.125%
HK$58,748
baseline
▲ 0.50% · 4.625%
HK$61,845
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,496/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,745 · Scale 2, in force from 26 Feb 2026)