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$27,661
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,521
−HK$875/mo
Today · 4.125%
HK$29,396
baseline
▲ 0.50% · 4.625%
HK$31,184
+HK$1,788/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,792/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,773
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,598
−HK$837/mo
Today · 4.125%
HK$32,435
baseline
▲ 0.50% · 4.625%
HK$34,145
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,870/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,193
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,226
−HK$1,049/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,421
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,927
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,005/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$40,974
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,725
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,930
−HK$1,224/mo
Today · 4.125%
HK$41,154
baseline
▲ 0.50% · 4.625%
HK$43,658
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,308/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,082
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,237
−HK$1,172/mo
Today · 4.125%
HK$45,409
baseline
▲ 0.50% · 4.625%
HK$47,803
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,818/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,790
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,338
−HK$1,574/mo
Today · 4.125%
HK$52,912
baseline
▲ 0.50% · 4.625%
HK$56,132
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,824/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,391
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,876
−HK$1,507/mo
Today · 4.125%
HK$58,383
baseline
▲ 0.50% · 4.625%
HK$61,461
+HK$3,078/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,766/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,899 · Scale 2, in force from 26 Feb 2026)