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$27,748
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,612
−HK$877/mo
Today · 4.125%
HK$29,489
baseline
▲ 0.50% · 4.625%
HK$31,283
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,978/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,870
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$840/mo
Today · 4.125%
HK$32,538
baseline
▲ 0.50% · 4.625%
HK$34,253
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,076/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,298
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,334
−HK$1,052/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,539
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,044
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,037
−HK$1,008/mo
Today · 4.125%
HK$39,045
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,090/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,848
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,056
−HK$1,228/mo
Today · 4.125%
HK$41,284
baseline
▲ 0.50% · 4.625%
HK$43,796
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,568/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,218
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,377
−HK$1,176/mo
Today · 4.125%
HK$45,553
baseline
▲ 0.50% · 4.625%
HK$47,954
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,106/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,947
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,501
−HK$1,578/mo
Today · 4.125%
HK$53,079
baseline
▲ 0.50% · 4.625%
HK$56,309
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,158/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,566
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,056
−HK$1,512/mo
Today · 4.125%
HK$58,568
baseline
▲ 0.50% · 4.625%
HK$61,655
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,136/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,338 · Scale 2, in force from 26 Feb 2026)