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$27,666
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,526
−HK$874/mo
Today · 4.125%
HK$29,400
baseline
▲ 0.50% · 4.625%
HK$31,189
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,800/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,778
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,603
−HK$838/mo
Today · 4.125%
HK$32,441
baseline
▲ 0.50% · 4.625%
HK$34,150
+HK$1,709/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,882/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,199
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,231
−HK$1,050/mo
Today · 4.125%
HK$35,281
baseline
▲ 0.50% · 4.625%
HK$37,427
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,562/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,933
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,924
−HK$1,005/mo
Today · 4.125%
HK$38,929
baseline
▲ 0.50% · 4.625%
HK$40,981
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,858/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,732
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,937
−HK$1,224/mo
Today · 4.125%
HK$41,161
baseline
▲ 0.50% · 4.625%
HK$43,665
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,322/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,089
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,244
−HK$1,173/mo
Today · 4.125%
HK$45,417
baseline
▲ 0.50% · 4.625%
HK$47,811
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,834/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,798
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,347
−HK$1,574/mo
Today · 4.125%
HK$52,921
baseline
▲ 0.50% · 4.625%
HK$56,141
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,842/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,400
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,886
−HK$1,507/mo
Today · 4.125%
HK$58,393
baseline
▲ 0.50% · 4.625%
HK$61,471
+HK$3,078/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,786/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,975 · Scale 2, in force from 26 Feb 2026)