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$27,838
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,704
−HK$880/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,384
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,970
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,800
−HK$843/mo
Today · 4.125%
HK$32,643
baseline
▲ 0.50% · 4.625%
HK$34,364
+HK$1,721/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,286/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,406
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,445
−HK$1,056/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,661
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,164
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,160
−HK$1,012/mo
Today · 4.125%
HK$39,172
baseline
▲ 0.50% · 4.625%
HK$41,236
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,344/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,974
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,186
−HK$1,231/mo
Today · 4.125%
HK$41,417
baseline
▲ 0.50% · 4.625%
HK$43,938
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,834/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,358
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,520
−HK$1,180/mo
Today · 4.125%
HK$45,700
baseline
▲ 0.50% · 4.625%
HK$48,109
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,400/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,109
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,667
−HK$1,584/mo
Today · 4.125%
HK$53,251
baseline
▲ 0.50% · 4.625%
HK$56,491
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,502/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,746
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,241
−HK$1,516/mo
Today · 4.125%
HK$58,757
baseline
▲ 0.50% · 4.625%
HK$61,854
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,514/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,814 · Scale 2, in force from 26 Feb 2026)