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$27,814
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,679
−HK$879/mo
Today · 4.125%
HK$29,558
baseline
▲ 0.50% · 4.625%
HK$31,357
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,116/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,943
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,772
−HK$842/mo
Today · 4.125%
HK$32,614
baseline
▲ 0.50% · 4.625%
HK$34,334
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,228/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,377
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,415
−HK$1,055/mo
Today · 4.125%
HK$35,470
baseline
▲ 0.50% · 4.625%
HK$37,628
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,940/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,131
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,127
−HK$1,010/mo
Today · 4.125%
HK$39,137
baseline
▲ 0.50% · 4.625%
HK$41,200
+HK$2,063/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,274/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,939
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,151
−HK$1,230/mo
Today · 4.125%
HK$41,381
baseline
▲ 0.50% · 4.625%
HK$43,899
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,762/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,320
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,481
−HK$1,179/mo
Today · 4.125%
HK$45,660
baseline
▲ 0.50% · 4.625%
HK$48,067
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,320/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,065
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,622
−HK$1,582/mo
Today · 4.125%
HK$53,204
baseline
▲ 0.50% · 4.625%
HK$56,442
+HK$3,238/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,408/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,697
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,190
−HK$1,516/mo
Today · 4.125%
HK$58,706
baseline
▲ 0.50% · 4.625%
HK$61,800
+HK$3,094/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,412/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,414 · Scale 2, in force from 26 Feb 2026)