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$27,695
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,557
−HK$875/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$31,223
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,811
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,637
−HK$838/mo
Today · 4.125%
HK$32,475
baseline
▲ 0.50% · 4.625%
HK$34,187
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,950/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,234
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,268
−HK$1,050/mo
Today · 4.125%
HK$35,318
baseline
▲ 0.50% · 4.625%
HK$37,467
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,636/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,973
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,964
−HK$1,006/mo
Today · 4.125%
HK$38,970
baseline
▲ 0.50% · 4.625%
HK$41,025
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,940/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,773
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,979
−HK$1,226/mo
Today · 4.125%
HK$41,205
baseline
▲ 0.50% · 4.625%
HK$43,712
+HK$2,507/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,410/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,135
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,292
−HK$1,173/mo
Today · 4.125%
HK$45,465
baseline
▲ 0.50% · 4.625%
HK$47,862
+HK$2,397/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,930/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,851
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,402
−HK$1,576/mo
Today · 4.125%
HK$52,978
baseline
▲ 0.50% · 4.625%
HK$56,201
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,956/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,459
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,947
−HK$1,509/mo
Today · 4.125%
HK$58,456
baseline
▲ 0.50% · 4.625%
HK$61,537
+HK$3,081/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,912/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,463 · Scale 2, in force from 26 Feb 2026)