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$27,829
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,695
−HK$880/mo
Today · 4.125%
HK$29,575
baseline
▲ 0.50% · 4.625%
HK$31,374
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,150/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,960
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,790
−HK$843/mo
Today · 4.125%
HK$32,633
baseline
▲ 0.50% · 4.625%
HK$34,353
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,266/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,395
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$1,056/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,649
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,152
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,148
−HK$1,011/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,223
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,318/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,961
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,173
−HK$1,231/mo
Today · 4.125%
HK$41,404
baseline
▲ 0.50% · 4.625%
HK$43,924
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,808/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,344
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,506
−HK$1,180/mo
Today · 4.125%
HK$45,686
baseline
▲ 0.50% · 4.625%
HK$48,094
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,372/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,093
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,651
−HK$1,583/mo
Today · 4.125%
HK$53,234
baseline
▲ 0.50% · 4.625%
HK$56,473
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,468/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,728
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,223
−HK$1,516/mo
Today · 4.125%
HK$58,739
baseline
▲ 0.50% · 4.625%
HK$61,835
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,478/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,670 · Scale 2, in force from 26 Feb 2026)