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$27,625
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,484
−HK$873/mo
Today · 4.125%
HK$29,357
baseline
▲ 0.50% · 4.625%
HK$31,144
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,714/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,732
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,557
−HK$836/mo
Today · 4.125%
HK$32,393
baseline
▲ 0.50% · 4.625%
HK$34,100
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,786/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,150
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,181
−HK$1,048/mo
Today · 4.125%
HK$35,229
baseline
▲ 0.50% · 4.625%
HK$37,372
+HK$2,143/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,458/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,879
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,868
−HK$1,003/mo
Today · 4.125%
HK$38,871
baseline
▲ 0.50% · 4.625%
HK$40,920
+HK$2,049/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,742/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,675
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,878
−HK$1,222/mo
Today · 4.125%
HK$41,100
baseline
▲ 0.50% · 4.625%
HK$43,601
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,200/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,025
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,179
−HK$1,171/mo
Today · 4.125%
HK$45,350
baseline
▲ 0.50% · 4.625%
HK$47,740
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,700/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,725
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,272
−HK$1,571/mo
Today · 4.125%
HK$52,843
baseline
▲ 0.50% · 4.625%
HK$56,058
+HK$3,215/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,686/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,318
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,802
−HK$1,505/mo
Today · 4.125%
HK$58,307
baseline
▲ 0.50% · 4.625%
HK$61,381
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,614/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,307 · Scale 2, in force from 26 Feb 2026)