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$27,772
−HK$1,741/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$456,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,896
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,724
−HK$841/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,281
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,130/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,326
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,363
−HK$1,053/mo
Today · 4.125%
HK$35,416
baseline
▲ 0.50% · 4.625%
HK$37,571
+HK$2,155/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,832/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,075
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,069
−HK$1,009/mo
Today · 4.125%
HK$39,078
baseline
▲ 0.50% · 4.625%
HK$41,138
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,156/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,880
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,090
−HK$1,228/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$456,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,254
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,414
−HK$1,177/mo
Today · 4.125%
HK$45,591
baseline
▲ 0.50% · 4.625%
HK$47,994
+HK$2,403/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,182/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,989
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,544
−HK$1,580/mo
Today · 4.125%
HK$53,124
baseline
▲ 0.50% · 4.625%
HK$56,356
+HK$3,232/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,248/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,612
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,104
−HK$1,513/mo
Today · 4.125%
HK$58,617
baseline
▲ 0.50% · 4.625%
HK$61,706
+HK$3,089/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,234/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,719 · Scale 2, in force from 26 Feb 2026)