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$27,754
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,617
−HK$877/mo
Today · 4.125%
HK$29,494
baseline
▲ 0.50% · 4.625%
HK$31,289
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$58,988/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,876
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,704
−HK$840/mo
Today · 4.125%
HK$32,544
baseline
▲ 0.50% · 4.625%
HK$34,260
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,088/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,341
−HK$1,052/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,547
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,051
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,045
−HK$1,008/mo
Today · 4.125%
HK$39,053
baseline
▲ 0.50% · 4.625%
HK$41,112
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,106/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,856
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,064
−HK$1,228/mo
Today · 4.125%
HK$41,292
baseline
▲ 0.50% · 4.625%
HK$43,805
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,584/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,226
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,386
−HK$1,176/mo
Today · 4.125%
HK$45,562
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,124/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,957
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,511
−HK$1,579/mo
Today · 4.125%
HK$53,090
baseline
▲ 0.50% · 4.625%
HK$56,320
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,180/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,577
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,067
−HK$1,513/mo
Today · 4.125%
HK$58,580
baseline
▲ 0.50% · 4.625%
HK$61,667
+HK$3,087/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,160/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,430 · Scale 2, in force from 26 Feb 2026)