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$27,839
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,705
−HK$880/mo
Today · 4.125%
HK$29,585
baseline
▲ 0.50% · 4.625%
HK$31,385
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,170/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,971
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,801
−HK$843/mo
Today · 4.125%
HK$32,644
baseline
▲ 0.50% · 4.625%
HK$34,365
+HK$1,721/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,288/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,407
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$1,056/mo
Today · 4.125%
HK$35,502
baseline
▲ 0.50% · 4.625%
HK$37,662
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,004/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,165
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,162
−HK$1,011/mo
Today · 4.125%
HK$39,173
baseline
▲ 0.50% · 4.625%
HK$41,238
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,346/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,975
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,187
−HK$1,232/mo
Today · 4.125%
HK$41,419
baseline
▲ 0.50% · 4.625%
HK$43,939
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,838/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,359
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,522
−HK$1,180/mo
Today · 4.125%
HK$45,702
baseline
▲ 0.50% · 4.625%
HK$48,111
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,404/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,110
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,669
−HK$1,584/mo
Today · 4.125%
HK$53,253
baseline
▲ 0.50% · 4.625%
HK$56,493
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,506/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,747
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,242
−HK$1,517/mo
Today · 4.125%
HK$58,759
baseline
▲ 0.50% · 4.625%
HK$61,856
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,518/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,829 · Scale 2, in force from 26 Feb 2026)