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$27,626
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,485
−HK$873/mo
Today · 4.125%
HK$29,358
baseline
▲ 0.50% · 4.625%
HK$31,145
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,716/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,734
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,558
−HK$836/mo
Today · 4.125%
HK$32,394
baseline
▲ 0.50% · 4.625%
HK$34,102
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,788/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,151
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,182
−HK$1,048/mo
Today · 4.125%
HK$35,230
baseline
▲ 0.50% · 4.625%
HK$37,374
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,460/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,880
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,869
−HK$1,004/mo
Today · 4.125%
HK$38,873
baseline
▲ 0.50% · 4.625%
HK$40,922
+HK$2,049/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,746/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,676
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,879
−HK$1,223/mo
Today · 4.125%
HK$41,102
baseline
▲ 0.50% · 4.625%
HK$43,603
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,204/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,027
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,181
−HK$1,171/mo
Today · 4.125%
HK$45,352
baseline
▲ 0.50% · 4.625%
HK$47,742
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,704/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,727
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,274
−HK$1,571/mo
Today · 4.125%
HK$52,845
baseline
▲ 0.50% · 4.625%
HK$56,061
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,690/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,320
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,804
−HK$1,505/mo
Today · 4.125%
HK$58,309
baseline
▲ 0.50% · 4.625%
HK$61,383
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,618/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,324 · Scale 2, in force from 26 Feb 2026)