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$27,705
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,567
−HK$876/mo
Today · 4.125%
HK$29,443
baseline
▲ 0.50% · 4.625%
HK$31,234
+HK$1,791/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,886/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,822
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,648
−HK$839/mo
Today · 4.125%
HK$32,487
baseline
▲ 0.50% · 4.625%
HK$34,199
+HK$1,712/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,974/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,246
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,280
−HK$1,051/mo
Today · 4.125%
HK$35,331
baseline
▲ 0.50% · 4.625%
HK$37,481
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,662/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,986
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,978
−HK$1,006/mo
Today · 4.125%
HK$38,984
baseline
▲ 0.50% · 4.625%
HK$41,039
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,968/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,787
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,994
−HK$1,226/mo
Today · 4.125%
HK$41,220
baseline
▲ 0.50% · 4.625%
HK$43,728
+HK$2,508/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,440/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,150
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,308
−HK$1,174/mo
Today · 4.125%
HK$45,482
baseline
▲ 0.50% · 4.625%
HK$47,879
+HK$2,397/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,964/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,869
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,421
−HK$1,576/mo
Today · 4.125%
HK$52,997
baseline
▲ 0.50% · 4.625%
HK$56,221
+HK$3,224/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$105,994/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,479
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,967
−HK$1,510/mo
Today · 4.125%
HK$58,477
baseline
▲ 0.50% · 4.625%
HK$61,559
+HK$3,082/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,954/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,627 · Scale 2, in force from 26 Feb 2026)