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$27,808
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,673
−HK$879/mo
Today · 4.125%
HK$29,552
baseline
▲ 0.50% · 4.625%
HK$31,350
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,104/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,936
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,766
−HK$842/mo
Today · 4.125%
HK$32,608
baseline
▲ 0.50% · 4.625%
HK$34,327
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,216/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,370
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,408
−HK$1,054/mo
Today · 4.125%
HK$35,462
baseline
▲ 0.50% · 4.625%
HK$37,620
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,924/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,124
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,119
−HK$1,010/mo
Today · 4.125%
HK$39,129
baseline
▲ 0.50% · 4.625%
HK$41,192
+HK$2,063/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,258/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,931
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,142
−HK$1,231/mo
Today · 4.125%
HK$41,373
baseline
▲ 0.50% · 4.625%
HK$43,890
+HK$2,517/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,746/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,311
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,472
−HK$1,179/mo
Today · 4.125%
HK$45,651
baseline
▲ 0.50% · 4.625%
HK$48,057
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,302/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,055
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,612
−HK$1,582/mo
Today · 4.125%
HK$53,194
baseline
▲ 0.50% · 4.625%
HK$56,430
+HK$3,236/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,388/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,685
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,179
−HK$1,515/mo
Today · 4.125%
HK$58,694
baseline
▲ 0.50% · 4.625%
HK$61,788
+HK$3,094/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,388/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,321 · Scale 2, in force from 26 Feb 2026)