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$27,794
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,659
−HK$878/mo
Today · 4.125%
HK$29,537
baseline
▲ 0.50% · 4.625%
HK$31,334
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,074/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,921
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,750
−HK$841/mo
Today · 4.125%
HK$32,591
baseline
▲ 0.50% · 4.625%
HK$34,309
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,182/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,353
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,391
−HK$1,054/mo
Today · 4.125%
HK$35,445
baseline
▲ 0.50% · 4.625%
HK$37,601
+HK$2,156/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,890/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,105
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,100
−HK$1,010/mo
Today · 4.125%
HK$39,110
baseline
▲ 0.50% · 4.625%
HK$41,171
+HK$2,061/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,220/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,912
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,122
−HK$1,230/mo
Today · 4.125%
HK$41,352
baseline
▲ 0.50% · 4.625%
HK$43,868
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,704/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,289
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,450
−HK$1,178/mo
Today · 4.125%
HK$45,628
baseline
▲ 0.50% · 4.625%
HK$48,033
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,256/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,030
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,586
−HK$1,581/mo
Today · 4.125%
HK$53,167
baseline
▲ 0.50% · 4.625%
HK$56,402
+HK$3,235/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,334/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,658
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,150
−HK$1,515/mo
Today · 4.125%
HK$58,665
baseline
▲ 0.50% · 4.625%
HK$61,757
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,330/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,091 · Scale 2, in force from 26 Feb 2026)