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$27,617
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,476
−HK$873/mo
Today · 4.125%
HK$29,349
baseline
▲ 0.50% · 4.625%
HK$31,135
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,698/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,724
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,548
−HK$836/mo
Today · 4.125%
HK$32,384
baseline
▲ 0.50% · 4.625%
HK$34,091
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,768/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,141
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,172
−HK$1,047/mo
Today · 4.125%
HK$35,219
baseline
▲ 0.50% · 4.625%
HK$37,362
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,438/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,869
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,858
−HK$1,003/mo
Today · 4.125%
HK$38,861
baseline
▲ 0.50% · 4.625%
HK$40,909
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,722/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,664
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,867
−HK$1,222/mo
Today · 4.125%
HK$41,089
baseline
▲ 0.50% · 4.625%
HK$43,589
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,178/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,014
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,167
−HK$1,171/mo
Today · 4.125%
HK$45,338
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,676/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,711
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,258
−HK$1,571/mo
Today · 4.125%
HK$52,829
baseline
▲ 0.50% · 4.625%
HK$56,043
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,658/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,303
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,787
−HK$1,504/mo
Today · 4.125%
HK$58,291
baseline
▲ 0.50% · 4.625%
HK$61,364
+HK$3,073/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,582/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,183 · Scale 2, in force from 26 Feb 2026)