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$27,670
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,531
−HK$875/mo
Today · 4.125%
HK$29,406
baseline
▲ 0.50% · 4.625%
HK$31,195
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,812/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,783
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,609
−HK$837/mo
Today · 4.125%
HK$32,446
baseline
▲ 0.50% · 4.625%
HK$34,156
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,892/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,204
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,237
−HK$1,050/mo
Today · 4.125%
HK$35,287
baseline
▲ 0.50% · 4.625%
HK$37,434
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,574/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,940
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,930
−HK$1,005/mo
Today · 4.125%
HK$38,935
baseline
▲ 0.50% · 4.625%
HK$40,988
+HK$2,053/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,870/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,739
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,944
−HK$1,224/mo
Today · 4.125%
HK$41,168
baseline
▲ 0.50% · 4.625%
HK$43,673
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,336/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,096
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,252
−HK$1,173/mo
Today · 4.125%
HK$45,425
baseline
▲ 0.50% · 4.625%
HK$47,819
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,850/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,807
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,356
−HK$1,574/mo
Today · 4.125%
HK$52,930
baseline
▲ 0.50% · 4.625%
HK$56,151
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,860/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,410
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,896
−HK$1,507/mo
Today · 4.125%
HK$58,403
baseline
▲ 0.50% · 4.625%
HK$61,482
+HK$3,079/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,806/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,055 · Scale 2, in force from 26 Feb 2026)