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$27,778
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$28,642
−HK$878/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,316
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,040/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$31,732
−HK$840/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,334
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,371
−HK$1,053/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,580
+HK$2,156/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,083
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,078
−HK$1,009/mo
Today · 4.125%
HK$39,087
baseline
▲ 0.50% · 4.625%
HK$41,147
+HK$2,060/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,174/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,889
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,099
−HK$1,229/mo
Today · 4.125%
HK$41,328
baseline
▲ 0.50% · 4.625%
HK$43,843
+HK$2,515/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$82,656/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,264
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,424
−HK$1,177/mo
Today · 4.125%
HK$45,601
baseline
▲ 0.50% · 4.625%
HK$48,005
+HK$2,404/mo
Deposit HK$3.65M · loan HK$8.53M · min. income ≈ HK$91,202/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,001
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,556
−HK$1,580/mo
Today · 4.125%
HK$53,136
baseline
▲ 0.50% · 4.625%
HK$56,369
+HK$3,233/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,272/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,625
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,117
−HK$1,513/mo
Today · 4.125%
HK$58,630
baseline
▲ 0.50% · 4.625%
HK$61,721
+HK$3,091/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,260/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,826 · Scale 2, in force from 26 Feb 2026)