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$27,804
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,669
−HK$878/mo
Today · 4.125%
HK$29,547
baseline
▲ 0.50% · 4.625%
HK$31,345
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,094/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,761
−HK$842/mo
Today · 4.125%
HK$32,603
baseline
▲ 0.50% · 4.625%
HK$34,321
+HK$1,718/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,206/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,365
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,402
−HK$1,055/mo
Today · 4.125%
HK$35,457
baseline
▲ 0.50% · 4.625%
HK$37,614
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,914/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,118
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,113
−HK$1,010/mo
Today · 4.125%
HK$39,123
baseline
▲ 0.50% · 4.625%
HK$41,185
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,246/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,925
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,136
−HK$1,230/mo
Today · 4.125%
HK$41,366
baseline
▲ 0.50% · 4.625%
HK$43,883
+HK$2,517/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,732/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,304
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,466
−HK$1,178/mo
Today · 4.125%
HK$45,644
baseline
▲ 0.50% · 4.625%
HK$48,050
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,288/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,047
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,604
−HK$1,581/mo
Today · 4.125%
HK$53,185
baseline
▲ 0.50% · 4.625%
HK$56,422
+HK$3,237/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,370/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,677
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,170
−HK$1,515/mo
Today · 4.125%
HK$58,685
baseline
▲ 0.50% · 4.625%
HK$61,778
+HK$3,093/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,370/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,249 · Scale 2, in force from 26 Feb 2026)