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$27,816
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,681
−HK$879/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,358
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,944
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,774
−HK$842/mo
Today · 4.125%
HK$32,616
baseline
▲ 0.50% · 4.625%
HK$34,336
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,232/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,379
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,417
−HK$1,055/mo
Today · 4.125%
HK$35,472
baseline
▲ 0.50% · 4.625%
HK$37,630
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,944/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,133
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,129
−HK$1,011/mo
Today · 4.125%
HK$39,140
baseline
▲ 0.50% · 4.625%
HK$41,203
+HK$2,063/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,280/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,942
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,153
−HK$1,231/mo
Today · 4.125%
HK$41,384
baseline
▲ 0.50% · 4.625%
HK$43,902
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,768/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,322
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,484
−HK$1,179/mo
Today · 4.125%
HK$45,663
baseline
▲ 0.50% · 4.625%
HK$48,070
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,326/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,068
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,625
−HK$1,583/mo
Today · 4.125%
HK$53,208
baseline
▲ 0.50% · 4.625%
HK$56,445
+HK$3,237/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,416/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,700
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,194
−HK$1,515/mo
Today · 4.125%
HK$58,709
baseline
▲ 0.50% · 4.625%
HK$61,804
+HK$3,095/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,418/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,441 · Scale 2, in force from 26 Feb 2026)