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$27,848
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,714
−HK$880/mo
Today · 4.125%
HK$29,594
baseline
▲ 0.50% · 4.625%
HK$31,395
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,188/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,981
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,812
−HK$842/mo
Today · 4.125%
HK$32,654
baseline
▲ 0.50% · 4.625%
HK$34,376
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,308/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,418
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,457
−HK$1,056/mo
Today · 4.125%
HK$35,513
baseline
▲ 0.50% · 4.625%
HK$37,674
+HK$2,161/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,026/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,177
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,174
−HK$1,011/mo
Today · 4.125%
HK$39,185
baseline
▲ 0.50% · 4.625%
HK$41,251
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,370/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,987
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,200
−HK$1,232/mo
Today · 4.125%
HK$41,432
baseline
▲ 0.50% · 4.625%
HK$43,953
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,864/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,373
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,536
−HK$1,180/mo
Today · 4.125%
HK$45,716
baseline
▲ 0.50% · 4.625%
HK$48,126
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,432/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,127
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,686
−HK$1,584/mo
Today · 4.125%
HK$53,270
baseline
▲ 0.50% · 4.625%
HK$56,511
+HK$3,241/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,540/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,765
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,261
−HK$1,517/mo
Today · 4.125%
HK$58,778
baseline
▲ 0.50% · 4.625%
HK$61,876
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,556/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,976 · Scale 2, in force from 26 Feb 2026)