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$27,607
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,466
−HK$873/mo
Today · 4.125%
HK$29,339
baseline
▲ 0.50% · 4.625%
HK$31,124
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,678/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,713
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,537
−HK$835/mo
Today · 4.125%
HK$32,372
baseline
▲ 0.50% · 4.625%
HK$34,079
+HK$1,707/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,744/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,129
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,159
−HK$1,047/mo
Today · 4.125%
HK$35,206
baseline
▲ 0.50% · 4.625%
HK$37,349
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,412/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,856
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,844
−HK$1,003/mo
Today · 4.125%
HK$38,847
baseline
▲ 0.50% · 4.625%
HK$40,894
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,694/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,650
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,853
−HK$1,221/mo
Today · 4.125%
HK$41,074
baseline
▲ 0.50% · 4.625%
HK$43,573
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,148/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,998
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,151
−HK$1,170/mo
Today · 4.125%
HK$45,321
baseline
▲ 0.50% · 4.625%
HK$47,710
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,642/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,693
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,239
−HK$1,571/mo
Today · 4.125%
HK$52,810
baseline
▲ 0.50% · 4.625%
HK$56,023
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,620/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,283
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,766
−HK$1,504/mo
Today · 4.125%
HK$58,270
baseline
▲ 0.50% · 4.625%
HK$61,342
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,540/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,020 · Scale 2, in force from 26 Feb 2026)