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$27,648
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,508
−HK$873/mo
Today · 4.125%
HK$29,381
baseline
▲ 0.50% · 4.625%
HK$31,169
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,762/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,758
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,583
−HK$836/mo
Today · 4.125%
HK$32,419
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,838/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,177
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,209
−HK$1,049/mo
Today · 4.125%
HK$35,258
baseline
▲ 0.50% · 4.625%
HK$37,403
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,516/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,909
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,899
−HK$1,004/mo
Today · 4.125%
HK$38,903
baseline
▲ 0.50% · 4.625%
HK$40,954
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,806/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,707
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,911
−HK$1,223/mo
Today · 4.125%
HK$41,134
baseline
▲ 0.50% · 4.625%
HK$43,637
+HK$2,503/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,268/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,061
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,216
−HK$1,171/mo
Today · 4.125%
HK$45,387
baseline
▲ 0.50% · 4.625%
HK$47,780
+HK$2,393/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,774/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,766
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,314
−HK$1,573/mo
Today · 4.125%
HK$52,887
baseline
▲ 0.50% · 4.625%
HK$56,105
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,774/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,364
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,849
−HK$1,506/mo
Today · 4.125%
HK$58,355
baseline
▲ 0.50% · 4.625%
HK$61,431
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,710/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,680 · Scale 2, in force from 26 Feb 2026)