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$27,734
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,597
−HK$877/mo
Today · 4.125%
HK$29,474
baseline
▲ 0.50% · 4.625%
HK$31,267
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,948/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,854
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,682
−HK$839/mo
Today · 4.125%
HK$32,521
baseline
▲ 0.50% · 4.625%
HK$34,235
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,042/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,281
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,317
−HK$1,051/mo
Today · 4.125%
HK$35,368
baseline
▲ 0.50% · 4.625%
HK$37,520
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,736/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,025
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,018
−HK$1,007/mo
Today · 4.125%
HK$39,025
baseline
▲ 0.50% · 4.625%
HK$41,083
+HK$2,058/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,050/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,828
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,036
−HK$1,227/mo
Today · 4.125%
HK$41,263
baseline
▲ 0.50% · 4.625%
HK$43,774
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,526/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,196
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,354
−HK$1,176/mo
Today · 4.125%
HK$45,530
baseline
▲ 0.50% · 4.625%
HK$47,930
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,060/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,922
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,475
−HK$1,578/mo
Today · 4.125%
HK$53,053
baseline
▲ 0.50% · 4.625%
HK$56,281
+HK$3,228/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,106/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,538
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,027
−HK$1,511/mo
Today · 4.125%
HK$58,538
baseline
▲ 0.50% · 4.625%
HK$61,624
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,076/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,108 · Scale 2, in force from 26 Feb 2026)