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$27,684
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,545
−HK$875/mo
Today · 4.125%
HK$29,420
baseline
▲ 0.50% · 4.625%
HK$31,210
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,840/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,798
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,624
−HK$838/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,173
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,220
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,254
−HK$1,050/mo
Today · 4.125%
HK$35,304
baseline
▲ 0.50% · 4.625%
HK$37,452
+HK$2,148/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$70,608/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,957
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,948
−HK$1,006/mo
Today · 4.125%
HK$38,954
baseline
▲ 0.50% · 4.625%
HK$41,007
+HK$2,053/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$77,908/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,757
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,963
−HK$1,224/mo
Today · 4.125%
HK$41,187
baseline
▲ 0.50% · 4.625%
HK$43,694
+HK$2,507/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,374/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,117
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,273
−HK$1,173/mo
Today · 4.125%
HK$45,446
baseline
▲ 0.50% · 4.625%
HK$47,842
+HK$2,396/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,892/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,831
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,381
−HK$1,574/mo
Today · 4.125%
HK$52,955
baseline
▲ 0.50% · 4.625%
HK$56,178
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,910/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,436
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,923
−HK$1,508/mo
Today · 4.125%
HK$58,431
baseline
▲ 0.50% · 4.625%
HK$61,511
+HK$3,080/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,862/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,272 · Scale 2, in force from 26 Feb 2026)