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$27,810
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,675
−HK$879/mo
Today · 4.125%
HK$29,554
baseline
▲ 0.50% · 4.625%
HK$31,352
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,108/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,938
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,768
−HK$842/mo
Today · 4.125%
HK$32,610
baseline
▲ 0.50% · 4.625%
HK$34,329
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,220/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,372
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,410
−HK$1,054/mo
Today · 4.125%
HK$35,464
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,928/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,126
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,011/mo
Today · 4.125%
HK$39,132
baseline
▲ 0.50% · 4.625%
HK$41,194
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,264/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,934
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,145
−HK$1,230/mo
Today · 4.125%
HK$41,375
baseline
▲ 0.50% · 4.625%
HK$43,893
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,750/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,313
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,475
−HK$1,178/mo
Today · 4.125%
HK$45,653
baseline
▲ 0.50% · 4.625%
HK$48,060
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,306/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,058
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,615
−HK$1,582/mo
Today · 4.125%
HK$53,197
baseline
▲ 0.50% · 4.625%
HK$56,434
+HK$3,237/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,394/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,689
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,182
−HK$1,515/mo
Today · 4.125%
HK$58,697
baseline
▲ 0.50% · 4.625%
HK$61,791
+HK$3,094/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,394/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,347 · Scale 2, in force from 26 Feb 2026)