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$27,833
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,698
−HK$880/mo
Today · 4.125%
HK$29,578
baseline
▲ 0.50% · 4.625%
HK$31,378
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,156/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,964
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,794
−HK$842/mo
Today · 4.125%
HK$32,636
baseline
▲ 0.50% · 4.625%
HK$34,357
+HK$1,721/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,272/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,399
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$1,056/mo
Today · 4.125%
HK$35,494
baseline
▲ 0.50% · 4.625%
HK$37,653
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,988/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,156
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,153
−HK$1,011/mo
Today · 4.125%
HK$39,164
baseline
▲ 0.50% · 4.625%
HK$41,228
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,328/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,966
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,178
−HK$1,231/mo
Today · 4.125%
HK$41,409
baseline
▲ 0.50% · 4.625%
HK$43,929
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,818/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,349
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,512
−HK$1,179/mo
Today · 4.125%
HK$45,691
baseline
▲ 0.50% · 4.625%
HK$48,100
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,382/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,099
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,657
−HK$1,584/mo
Today · 4.125%
HK$53,241
baseline
▲ 0.50% · 4.625%
HK$56,480
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,482/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,735
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,229
−HK$1,517/mo
Today · 4.125%
HK$58,746
baseline
▲ 0.50% · 4.625%
HK$61,842
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,492/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,724 · Scale 2, in force from 26 Feb 2026)