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$27,836
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,701
−HK$880/mo
Today · 4.125%
HK$29,581
baseline
▲ 0.50% · 4.625%
HK$31,381
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,162/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,967
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,797
−HK$843/mo
Today · 4.125%
HK$32,640
baseline
▲ 0.50% · 4.625%
HK$34,360
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,280/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,403
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,442
−HK$1,055/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,657
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,160
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,157
−HK$1,011/mo
Today · 4.125%
HK$39,168
baseline
▲ 0.50% · 4.625%
HK$41,232
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,336/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,970
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,182
−HK$1,232/mo
Today · 4.125%
HK$41,414
baseline
▲ 0.50% · 4.625%
HK$43,934
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,828/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,354
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,516
−HK$1,180/mo
Today · 4.125%
HK$45,696
baseline
▲ 0.50% · 4.625%
HK$48,104
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,392/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,104
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,663
−HK$1,583/mo
Today · 4.125%
HK$53,246
baseline
▲ 0.50% · 4.625%
HK$56,486
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,492/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,740
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,235
−HK$1,517/mo
Today · 4.125%
HK$58,752
baseline
▲ 0.50% · 4.625%
HK$61,849
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,504/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,771 · Scale 2, in force from 26 Feb 2026)