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$27,820
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,685
−HK$879/mo
Today · 4.125%
HK$29,564
baseline
▲ 0.50% · 4.625%
HK$31,363
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,128/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,949
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,779
−HK$842/mo
Today · 4.125%
HK$32,621
baseline
▲ 0.50% · 4.625%
HK$34,341
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,242/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,384
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,422
−HK$1,055/mo
Today · 4.125%
HK$35,477
baseline
▲ 0.50% · 4.625%
HK$37,636
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,954/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,139
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,135
−HK$1,011/mo
Today · 4.125%
HK$39,146
baseline
▲ 0.50% · 4.625%
HK$41,209
+HK$2,063/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,292/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,948
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,159
−HK$1,231/mo
Today · 4.125%
HK$41,390
baseline
▲ 0.50% · 4.625%
HK$43,909
+HK$2,519/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,780/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,329
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,491
−HK$1,179/mo
Today · 4.125%
HK$45,670
baseline
▲ 0.50% · 4.625%
HK$48,077
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,340/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,076
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,633
−HK$1,583/mo
Today · 4.125%
HK$53,216
baseline
▲ 0.50% · 4.625%
HK$56,454
+HK$3,238/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,432/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,709
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,203
−HK$1,515/mo
Today · 4.125%
HK$58,718
baseline
▲ 0.50% · 4.625%
HK$61,814
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,436/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,512 · Scale 2, in force from 26 Feb 2026)