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$27,799
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,664
−HK$879/mo
Today · 4.125%
HK$29,543
baseline
▲ 0.50% · 4.625%
HK$31,340
+HK$1,797/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,086/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,926
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,756
−HK$841/mo
Today · 4.125%
HK$32,597
baseline
▲ 0.50% · 4.625%
HK$34,316
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,194/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,359
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,397
−HK$1,054/mo
Today · 4.125%
HK$35,451
baseline
▲ 0.50% · 4.625%
HK$37,608
+HK$2,157/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$70,902/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,112
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,107
−HK$1,010/mo
Today · 4.125%
HK$39,117
baseline
▲ 0.50% · 4.625%
HK$41,179
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.31M · min. income ≈ HK$78,234/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$457,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,919
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,130
−HK$1,230/mo
Today · 4.125%
HK$41,360
baseline
▲ 0.50% · 4.625%
HK$43,876
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,720/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,297
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,458
−HK$1,178/mo
Today · 4.125%
HK$45,636
baseline
▲ 0.50% · 4.625%
HK$48,042
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,272/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$457,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,039
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,595
−HK$1,582/mo
Today · 4.125%
HK$53,177
baseline
▲ 0.50% · 4.625%
HK$56,412
+HK$3,235/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,354/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,668
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,161
−HK$1,514/mo
Today · 4.125%
HK$58,675
baseline
▲ 0.50% · 4.625%
HK$61,768
+HK$3,093/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,350/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,175 · Scale 2, in force from 26 Feb 2026)