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$27,825
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$28,691
−HK$879/mo
Today · 4.125%
HK$29,570
baseline
▲ 0.50% · 4.625%
HK$31,369
+HK$1,799/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,140/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,955
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$31,785
−HK$842/mo
Today · 4.125%
HK$32,627
baseline
▲ 0.50% · 4.625%
HK$34,347
+HK$1,720/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,254/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,390
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,429
−HK$1,055/mo
Today · 4.125%
HK$35,484
baseline
▲ 0.50% · 4.625%
HK$37,643
+HK$2,159/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,968/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,146
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,142
−HK$1,011/mo
Today · 4.125%
HK$39,153
baseline
▲ 0.50% · 4.625%
HK$41,217
+HK$2,064/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,306/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,955
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,167
−HK$1,231/mo
Today · 4.125%
HK$41,398
baseline
▲ 0.50% · 4.625%
HK$43,917
+HK$2,519/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,796/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,337
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,499
−HK$1,179/mo
Today · 4.125%
HK$45,678
baseline
▲ 0.50% · 4.625%
HK$48,086
+HK$2,408/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,356/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,085
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,643
−HK$1,583/mo
Today · 4.125%
HK$53,226
baseline
▲ 0.50% · 4.625%
HK$56,465
+HK$3,239/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,452/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,719
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,213
−HK$1,516/mo
Today · 4.125%
HK$58,729
baseline
▲ 0.50% · 4.625%
HK$61,825
+HK$3,096/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,458/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,598 · Scale 2, in force from 26 Feb 2026)