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$27,821
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,686
−HK$880/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,365
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,951
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$842/mo
Today · 4.125%
HK$32,623
baseline
▲ 0.50% · 4.625%
HK$34,342
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,246/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,385
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$1,055/mo
Today · 4.125%
HK$35,479
baseline
▲ 0.50% · 4.625%
HK$37,638
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,958/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,141
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,137
−HK$1,010/mo
Today · 4.125%
HK$39,147
baseline
▲ 0.50% · 4.625%
HK$41,211
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,294/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,949
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,231/mo
Today · 4.125%
HK$41,392
baseline
▲ 0.50% · 4.625%
HK$43,910
+HK$2,518/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,784/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,331
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,493
−HK$1,179/mo
Today · 4.125%
HK$45,672
baseline
▲ 0.50% · 4.625%
HK$48,079
+HK$2,407/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,344/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,078
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,635
−HK$1,583/mo
Today · 4.125%
HK$53,218
baseline
▲ 0.50% · 4.625%
HK$56,456
+HK$3,238/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,436/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,711
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,205
−HK$1,516/mo
Today · 4.125%
HK$58,721
baseline
▲ 0.50% · 4.625%
HK$61,816
+HK$3,095/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,442/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,531 · Scale 2, in force from 26 Feb 2026)