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$27,886
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,753
−HK$882/mo
Today · 4.125%
HK$29,635
baseline
▲ 0.50% · 4.625%
HK$31,438
+HK$1,803/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,270/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,023
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,855
−HK$844/mo
Today · 4.125%
HK$32,699
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,724/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,398/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,463
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,504
−HK$1,058/mo
Today · 4.125%
HK$35,562
baseline
▲ 0.50% · 4.625%
HK$37,725
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,124/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,227
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,226
−HK$1,013/mo
Today · 4.125%
HK$39,239
baseline
▲ 0.50% · 4.625%
HK$41,307
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,478/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,040
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,255
−HK$1,234/mo
Today · 4.125%
HK$41,489
baseline
▲ 0.50% · 4.625%
HK$44,013
+HK$2,524/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,978/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,432
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,597
−HK$1,181/mo
Today · 4.125%
HK$45,778
baseline
▲ 0.50% · 4.625%
HK$48,192
+HK$2,414/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,556/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,195
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,756
−HK$1,586/mo
Today · 4.125%
HK$53,342
baseline
▲ 0.50% · 4.625%
HK$56,588
+HK$3,246/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,684/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,841
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$57,339
−HK$1,519/mo
Today · 4.125%
HK$58,858
baseline
▲ 0.50% · 4.625%
HK$61,961
+HK$3,103/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,716/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,600 · Scale 2, in force from 26 Feb 2026)