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$27,771
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,635
−HK$878/mo
Today · 4.125%
HK$29,513
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,026/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,895
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,724
−HK$840/mo
Today · 4.125%
HK$32,564
baseline
▲ 0.50% · 4.625%
HK$34,281
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,128/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,326
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,362
−HK$1,053/mo
Today · 4.125%
HK$35,415
baseline
▲ 0.50% · 4.625%
HK$37,570
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,830/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,074
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,069
−HK$1,008/mo
Today · 4.125%
HK$39,077
baseline
▲ 0.50% · 4.625%
HK$41,137
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,154/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,880
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,089
−HK$1,229/mo
Today · 4.125%
HK$41,318
baseline
▲ 0.50% · 4.625%
HK$43,832
+HK$2,514/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,636/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,253
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,413
−HK$1,177/mo
Today · 4.125%
HK$45,590
baseline
▲ 0.50% · 4.625%
HK$47,993
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,180/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,988
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,543
−HK$1,580/mo
Today · 4.125%
HK$53,123
baseline
▲ 0.50% · 4.625%
HK$56,355
+HK$3,232/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,246/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,612
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,103
−HK$1,513/mo
Today · 4.125%
HK$58,616
baseline
▲ 0.50% · 4.625%
HK$61,706
+HK$3,090/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,232/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,714 · Scale 2, in force from 26 Feb 2026)