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$1,745/mo
▼ 0.25% · 3.875%
HK$28,704
−HK$880/mo
Today · 4.125%
HK$29,584
baseline
▲ 0.50% · 4.625%
HK$31,384
+HK$1,800/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$59,168/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,970
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,801
−HK$842/mo
Today · 4.125%
HK$32,643
baseline
▲ 0.50% · 4.625%
HK$34,364
+HK$1,721/mo
Deposit HK$6.10M · loan HK$6.10M · min. income ≈ HK$65,286/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,406
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,445
−HK$1,056/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,661
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,164
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,161
−HK$1,011/mo
Today · 4.125%
HK$39,172
baseline
▲ 0.50% · 4.625%
HK$41,237
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,344/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,974
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,186
−HK$1,232/mo
Today · 4.125%
HK$41,418
baseline
▲ 0.50% · 4.625%
HK$43,938
+HK$2,520/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,836/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,358
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,521
−HK$1,180/mo
Today · 4.125%
HK$45,701
baseline
▲ 0.50% · 4.625%
HK$48,110
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,402/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,109
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,668
−HK$1,584/mo
Today · 4.125%
HK$53,252
baseline
▲ 0.50% · 4.625%
HK$56,492
+HK$3,240/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,504/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,746
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,241
−HK$1,517/mo
Today · 4.125%
HK$58,758
baseline
▲ 0.50% · 4.625%
HK$61,855
+HK$3,097/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,516/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,820 · Scale 2, in force from 26 Feb 2026)