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$27,761
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,624
−HK$878/mo
Today · 4.125%
HK$29,502
baseline
▲ 0.50% · 4.625%
HK$31,297
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,004/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,883
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,712
−HK$840/mo
Today · 4.125%
HK$32,552
baseline
▲ 0.50% · 4.625%
HK$34,268
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,104/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,313
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,349
−HK$1,053/mo
Today · 4.125%
HK$35,402
baseline
▲ 0.50% · 4.625%
HK$37,556
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,804/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,060
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,054
−HK$1,008/mo
Today · 4.125%
HK$39,062
baseline
▲ 0.50% · 4.625%
HK$41,121
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,124/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,865
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,074
−HK$1,228/mo
Today · 4.125%
HK$41,302
baseline
▲ 0.50% · 4.625%
HK$43,815
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,604/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,237
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,396
−HK$1,177/mo
Today · 4.125%
HK$45,573
baseline
▲ 0.50% · 4.625%
HK$47,975
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,146/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,969
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,524
−HK$1,579/mo
Today · 4.125%
HK$53,103
baseline
▲ 0.50% · 4.625%
HK$56,334
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,206/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,590
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,081
−HK$1,513/mo
Today · 4.125%
HK$58,594
baseline
▲ 0.50% · 4.625%
HK$61,682
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,188/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,539 · Scale 2, in force from 26 Feb 2026)