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$27,767
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,631
−HK$878/mo
Today · 4.125%
HK$29,509
baseline
▲ 0.50% · 4.625%
HK$31,304
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,018/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,891
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,719
−HK$841/mo
Today · 4.125%
HK$32,560
baseline
▲ 0.50% · 4.625%
HK$34,276
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,120/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,321
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,357
−HK$1,053/mo
Today · 4.125%
HK$35,410
baseline
▲ 0.50% · 4.625%
HK$37,565
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,820/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,069
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,063
−HK$1,009/mo
Today · 4.125%
HK$39,072
baseline
▲ 0.50% · 4.625%
HK$41,131
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,144/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,874
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,083
−HK$1,229/mo
Today · 4.125%
HK$41,312
baseline
▲ 0.50% · 4.625%
HK$43,826
+HK$2,514/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,624/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,247
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,407
−HK$1,177/mo
Today · 4.125%
HK$45,584
baseline
▲ 0.50% · 4.625%
HK$47,986
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,168/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,981
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,536
−HK$1,579/mo
Today · 4.125%
HK$53,115
baseline
▲ 0.50% · 4.625%
HK$56,347
+HK$3,232/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,230/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,603
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,095
−HK$1,513/mo
Today · 4.125%
HK$58,608
baseline
▲ 0.50% · 4.625%
HK$61,697
+HK$3,089/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,216/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,648 · Scale 2, in force from 26 Feb 2026)