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$27,832
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,698
−HK$879/mo
Today · 4.125%
HK$29,577
baseline
▲ 0.50% · 4.625%
HK$31,377
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,154/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,963
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$842/mo
Today · 4.125%
HK$32,635
baseline
▲ 0.50% · 4.625%
HK$34,356
+HK$1,721/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,270/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,398
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,437
−HK$1,056/mo
Today · 4.125%
HK$35,493
baseline
▲ 0.50% · 4.625%
HK$37,652
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,986/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,155
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,152
−HK$1,011/mo
Today · 4.125%
HK$39,163
baseline
▲ 0.50% · 4.625%
HK$41,227
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,326/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,965
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,177
−HK$1,231/mo
Today · 4.125%
HK$41,408
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,816/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,348
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,510
−HK$1,180/mo
Today · 4.125%
HK$45,690
baseline
▲ 0.50% · 4.625%
HK$48,098
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,380/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,097
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,656
−HK$1,583/mo
Today · 4.125%
HK$53,239
baseline
▲ 0.50% · 4.625%
HK$56,478
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,478/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,733
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,228
−HK$1,516/mo
Today · 4.125%
HK$58,744
baseline
▲ 0.50% · 4.625%
HK$61,840
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,488/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,710 · Scale 2, in force from 26 Feb 2026)