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$27,800
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,665
−HK$879/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,341
+HK$1,797/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,928
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,757
−HK$842/mo
Today · 4.125%
HK$32,599
baseline
▲ 0.50% · 4.625%
HK$34,317
+HK$1,718/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,198/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,361
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,398
−HK$1,055/mo
Today · 4.125%
HK$35,453
baseline
▲ 0.50% · 4.625%
HK$37,610
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,906/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,113
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,109
−HK$1,009/mo
Today · 4.125%
HK$39,118
baseline
▲ 0.50% · 4.625%
HK$41,180
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,236/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,921
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,131
−HK$1,230/mo
Today · 4.125%
HK$41,361
baseline
▲ 0.50% · 4.625%
HK$43,878
+HK$2,517/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,722/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,299
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,460
−HK$1,178/mo
Today · 4.125%
HK$45,638
baseline
▲ 0.50% · 4.625%
HK$48,044
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,276/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,041
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,597
−HK$1,582/mo
Today · 4.125%
HK$53,179
baseline
▲ 0.50% · 4.625%
HK$56,415
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,358/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,670
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,163
−HK$1,515/mo
Today · 4.125%
HK$58,678
baseline
▲ 0.50% · 4.625%
HK$61,771
+HK$3,093/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,356/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,194 · Scale 2, in force from 26 Feb 2026)