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$27,807
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$28,672
−HK$879/mo
Today · 4.125%
HK$29,551
baseline
▲ 0.50% · 4.625%
HK$31,349
+HK$1,798/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,102/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,935
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$31,765
−HK$841/mo
Today · 4.125%
HK$32,606
baseline
▲ 0.50% · 4.625%
HK$34,325
+HK$1,719/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,212/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$457,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,368
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,406
−HK$1,055/mo
Today · 4.125%
HK$35,461
baseline
▲ 0.50% · 4.625%
HK$37,619
+HK$2,158/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$70,922/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,122
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,118
−HK$1,010/mo
Today · 4.125%
HK$39,128
baseline
▲ 0.50% · 4.625%
HK$41,190
+HK$2,062/mo
Deposit HK$4.88M · loan HK$7.32M · min. income ≈ HK$78,256/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,930
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,141
−HK$1,230/mo
Today · 4.125%
HK$41,371
baseline
▲ 0.50% · 4.625%
HK$43,888
+HK$2,517/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,742/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,309
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,471
−HK$1,178/mo
Today · 4.125%
HK$45,649
baseline
▲ 0.50% · 4.625%
HK$48,055
+HK$2,406/mo
Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$91,298/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,053
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,610
−HK$1,581/mo
Today · 4.125%
HK$53,191
baseline
▲ 0.50% · 4.625%
HK$56,428
+HK$3,237/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$106,382/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,683
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,176
−HK$1,515/mo
Today · 4.125%
HK$58,691
baseline
▲ 0.50% · 4.625%
HK$61,785
+HK$3,094/mo
Deposit HK$1.22M · loan HK$10.98M · min. income ≈ HK$117,382/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,302 · Scale 2, in force from 26 Feb 2026)