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$27,758
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$28,622
−HK$877/mo
Today · 4.125%
HK$29,499
baseline
▲ 0.50% · 4.625%
HK$31,294
+HK$1,795/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$58,998/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,881
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,709
−HK$840/mo
Today · 4.125%
HK$32,549
baseline
▲ 0.50% · 4.625%
HK$34,265
+HK$1,716/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,098/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,310
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,346
−HK$1,053/mo
Today · 4.125%
HK$35,399
baseline
▲ 0.50% · 4.625%
HK$37,553
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,798/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,057
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,051
−HK$1,008/mo
Today · 4.125%
HK$39,059
baseline
▲ 0.50% · 4.625%
HK$41,118
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,118/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,862
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,071
−HK$1,228/mo
Today · 4.125%
HK$41,299
baseline
▲ 0.50% · 4.625%
HK$43,812
+HK$2,513/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,598/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,233
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,393
−HK$1,176/mo
Today · 4.125%
HK$45,569
baseline
▲ 0.50% · 4.625%
HK$47,971
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,138/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,965
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,519
−HK$1,579/mo
Today · 4.125%
HK$53,098
baseline
▲ 0.50% · 4.625%
HK$56,329
+HK$3,231/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$106,196/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,586
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,076
−HK$1,513/mo
Today · 4.125%
HK$58,589
baseline
▲ 0.50% · 4.625%
HK$61,677
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.96M · min. income ≈ HK$117,178/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,501 · Scale 2, in force from 26 Feb 2026)