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$27,718
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,580
−HK$876/mo
Today · 4.125%
HK$29,456
baseline
▲ 0.50% · 4.625%
HK$31,248
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,912/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,836
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,663
−HK$839/mo
Today · 4.125%
HK$32,502
baseline
▲ 0.50% · 4.625%
HK$34,215
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,004/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,261
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,296
−HK$1,051/mo
Today · 4.125%
HK$35,347
baseline
▲ 0.50% · 4.625%
HK$37,498
+HK$2,151/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,694/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,003
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,995
−HK$1,007/mo
Today · 4.125%
HK$39,002
baseline
▲ 0.50% · 4.625%
HK$41,058
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$78,004/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,805
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,012
−HK$1,226/mo
Today · 4.125%
HK$41,238
baseline
▲ 0.50% · 4.625%
HK$43,747
+HK$2,509/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,476/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,170
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,328
−HK$1,174/mo
Today · 4.125%
HK$45,502
baseline
▲ 0.50% · 4.625%
HK$47,901
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,004/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,892
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,444
−HK$1,577/mo
Today · 4.125%
HK$53,021
baseline
▲ 0.50% · 4.625%
HK$56,247
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,042/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,504
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,993
−HK$1,510/mo
Today · 4.125%
HK$58,503
baseline
▲ 0.50% · 4.625%
HK$61,587
+HK$3,084/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,006/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,833 · Scale 2, in force from 26 Feb 2026)