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$27,792
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,657
−HK$878/mo
Today · 4.125%
HK$29,535
baseline
▲ 0.50% · 4.625%
HK$31,332
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,070/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,918
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,748
−HK$841/mo
Today · 4.125%
HK$32,589
baseline
▲ 0.50% · 4.625%
HK$34,307
+HK$1,718/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,178/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$1,054/mo
Today · 4.125%
HK$35,442
baseline
▲ 0.50% · 4.625%
HK$37,598
+HK$2,156/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,884/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,102
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,097
−HK$1,010/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,168
+HK$2,061/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,909
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,119
−HK$1,230/mo
Today · 4.125%
HK$41,349
baseline
▲ 0.50% · 4.625%
HK$43,865
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,698/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,286
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,447
−HK$1,177/mo
Today · 4.125%
HK$45,624
baseline
▲ 0.50% · 4.625%
HK$48,029
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,248/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,026
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,582
−HK$1,581/mo
Today · 4.125%
HK$53,163
baseline
▲ 0.50% · 4.625%
HK$56,398
+HK$3,235/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,326/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,653
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,146
−HK$1,514/mo
Today · 4.125%
HK$58,660
baseline
▲ 0.50% · 4.625%
HK$61,752
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,320/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,055 · Scale 2, in force from 26 Feb 2026)