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$27,787
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$28,651
−HK$879/mo
Today · 4.125%
HK$29,530
baseline
▲ 0.50% · 4.625%
HK$31,326
+HK$1,796/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$59,060/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,913
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$31,742
−HK$841/mo
Today · 4.125%
HK$32,583
baseline
▲ 0.50% · 4.625%
HK$34,300
+HK$1,717/mo
Deposit HK$6.09M · loan HK$6.09M · min. income ≈ HK$65,166/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$456,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,344
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,382
−HK$1,053/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,592
+HK$2,157/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,095
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,090
−HK$1,010/mo
Today · 4.125%
HK$39,100
baseline
▲ 0.50% · 4.625%
HK$41,161
+HK$2,061/mo
Deposit HK$4.87M · loan HK$7.31M · min. income ≈ HK$78,200/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$456,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,902
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,112
−HK$1,229/mo
Today · 4.125%
HK$41,341
baseline
▲ 0.50% · 4.625%
HK$43,857
+HK$2,516/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$82,682/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,278
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,439
−HK$1,177/mo
Today · 4.125%
HK$45,616
baseline
▲ 0.50% · 4.625%
HK$48,021
+HK$2,405/mo
Deposit HK$3.66M · loan HK$8.53M · min. income ≈ HK$91,232/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,017
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,573
−HK$1,580/mo
Today · 4.125%
HK$53,153
baseline
▲ 0.50% · 4.625%
HK$56,387
+HK$3,234/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$106,306/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,643
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,135
−HK$1,514/mo
Today · 4.125%
HK$58,649
baseline
▲ 0.50% · 4.625%
HK$61,741
+HK$3,092/mo
Deposit HK$1.22M · loan HK$10.97M · min. income ≈ HK$117,298/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$456,973 · Scale 2, in force from 26 Feb 2026)