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$27,829
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,694
−HK$880/mo
Today · 4.125%
HK$29,574
baseline
▲ 0.50% · 4.625%
HK$31,373
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,148/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,959
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,789
−HK$843/mo
Today · 4.125%
HK$32,632
baseline
▲ 0.50% · 4.625%
HK$34,352
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,264/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,394
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,433
−HK$1,055/mo
Today · 4.125%
HK$35,488
baseline
▲ 0.50% · 4.625%
HK$37,648
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,976/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,151
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,147
−HK$1,011/mo
Today · 4.125%
HK$39,158
baseline
▲ 0.50% · 4.625%
HK$41,222
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,316/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,960
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,172
−HK$1,231/mo
Today · 4.125%
HK$41,403
baseline
▲ 0.50% · 4.625%
HK$43,922
+HK$2,519/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,806/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,343
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,505
−HK$1,179/mo
Today · 4.125%
HK$45,684
baseline
▲ 0.50% · 4.625%
HK$48,092
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,368/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,092
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,650
−HK$1,583/mo
Today · 4.125%
HK$53,233
baseline
▲ 0.50% · 4.625%
HK$56,472
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,466/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,726
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,221
−HK$1,516/mo
Today · 4.125%
HK$58,737
baseline
▲ 0.50% · 4.625%
HK$61,833
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,474/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,657 · Scale 2, in force from 26 Feb 2026)