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$27,791
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,655
−HK$879/mo
Today · 4.125%
HK$29,534
baseline
▲ 0.50% · 4.625%
HK$31,331
+HK$1,797/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,068/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,917
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,746
−HK$842/mo
Today · 4.125%
HK$32,588
baseline
▲ 0.50% · 4.625%
HK$34,305
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,176/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,349
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,387
−HK$1,054/mo
Today · 4.125%
HK$35,441
baseline
▲ 0.50% · 4.625%
HK$37,597
+HK$2,156/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,882/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,101
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,096
−HK$1,009/mo
Today · 4.125%
HK$39,105
baseline
▲ 0.50% · 4.625%
HK$41,166
+HK$2,061/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,210/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,907
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,118
−HK$1,229/mo
Today · 4.125%
HK$41,347
baseline
▲ 0.50% · 4.625%
HK$43,863
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,694/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,284
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,445
−HK$1,178/mo
Today · 4.125%
HK$45,623
baseline
▲ 0.50% · 4.625%
HK$48,027
+HK$2,404/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,246/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,024
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,580
−HK$1,581/mo
Today · 4.125%
HK$53,161
baseline
▲ 0.50% · 4.625%
HK$56,395
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,322/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,651
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,144
−HK$1,514/mo
Today · 4.125%
HK$58,658
baseline
▲ 0.50% · 4.625%
HK$61,750
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,316/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,038 · Scale 2, in force from 26 Feb 2026)