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$27,819
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,684
−HK$879/mo
Today · 4.125%
HK$29,563
baseline
▲ 0.50% · 4.625%
HK$31,362
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,126/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,948
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,778
−HK$842/mo
Today · 4.125%
HK$32,620
baseline
▲ 0.50% · 4.625%
HK$34,340
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,240/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,383
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,421
−HK$1,055/mo
Today · 4.125%
HK$35,476
baseline
▲ 0.50% · 4.625%
HK$37,635
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,952/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,138
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,134
−HK$1,010/mo
Today · 4.125%
HK$39,144
baseline
▲ 0.50% · 4.625%
HK$41,208
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,288/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,946
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,158
−HK$1,231/mo
Today · 4.125%
HK$41,389
baseline
▲ 0.50% · 4.625%
HK$43,907
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,778/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,327
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,490
−HK$1,178/mo
Today · 4.125%
HK$45,668
baseline
▲ 0.50% · 4.625%
HK$48,076
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,336/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,074
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,632
−HK$1,582/mo
Today · 4.125%
HK$53,214
baseline
▲ 0.50% · 4.625%
HK$56,452
+HK$3,238/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,428/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,707
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,201
−HK$1,515/mo
Today · 4.125%
HK$58,716
baseline
▲ 0.50% · 4.625%
HK$61,811
+HK$3,095/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,432/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,496 · Scale 2, in force from 26 Feb 2026)