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$27,704
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,566
−HK$876/mo
Today · 4.125%
HK$29,442
baseline
▲ 0.50% · 4.625%
HK$31,233
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,884/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,821
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,647
−HK$839/mo
Today · 4.125%
HK$32,486
baseline
▲ 0.50% · 4.625%
HK$34,198
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,972/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$1,051/mo
Today · 4.125%
HK$35,330
baseline
▲ 0.50% · 4.625%
HK$37,480
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,660/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,985
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,977
−HK$1,006/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,038
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,786
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,993
−HK$1,225/mo
Today · 4.125%
HK$41,218
baseline
▲ 0.50% · 4.625%
HK$43,726
+HK$2,508/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,436/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,149
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,306
−HK$1,174/mo
Today · 4.125%
HK$45,480
baseline
▲ 0.50% · 4.625%
HK$47,878
+HK$2,398/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,960/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,868
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,419
−HK$1,576/mo
Today · 4.125%
HK$52,995
baseline
▲ 0.50% · 4.625%
HK$56,220
+HK$3,225/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,990/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,477
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,965
−HK$1,510/mo
Today · 4.125%
HK$58,475
baseline
▲ 0.50% · 4.625%
HK$61,557
+HK$3,082/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,950/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,613 · Scale 2, in force from 26 Feb 2026)