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$27,612
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,471
−HK$872/mo
Today · 4.125%
HK$29,343
baseline
▲ 0.50% · 4.625%
HK$31,129
+HK$1,786/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,686/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,718
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,542
−HK$835/mo
Today · 4.125%
HK$32,377
baseline
▲ 0.50% · 4.625%
HK$34,084
+HK$1,707/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,754/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,134
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,165
−HK$1,047/mo
Today · 4.125%
HK$35,212
baseline
▲ 0.50% · 4.625%
HK$37,354
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,424/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,861
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,850
−HK$1,003/mo
Today · 4.125%
HK$38,853
baseline
▲ 0.50% · 4.625%
HK$40,901
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,706/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,656
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,859
−HK$1,221/mo
Today · 4.125%
HK$41,080
baseline
▲ 0.50% · 4.625%
HK$43,580
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,160/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,005
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,158
−HK$1,170/mo
Today · 4.125%
HK$45,328
baseline
▲ 0.50% · 4.625%
HK$47,718
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,656/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,701
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,247
−HK$1,571/mo
Today · 4.125%
HK$52,818
baseline
▲ 0.50% · 4.625%
HK$56,032
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,636/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,292
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,775
−HK$1,504/mo
Today · 4.125%
HK$58,279
baseline
▲ 0.50% · 4.625%
HK$61,351
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,558/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,089 · Scale 2, in force from 26 Feb 2026)