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$27,702
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,563
−HK$876/mo
Today · 4.125%
HK$29,439
baseline
▲ 0.50% · 4.625%
HK$31,230
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,878/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,818
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,644
−HK$839/mo
Today · 4.125%
HK$32,483
baseline
▲ 0.50% · 4.625%
HK$34,195
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,966/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,242
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,276
−HK$1,051/mo
Today · 4.125%
HK$35,327
baseline
▲ 0.50% · 4.625%
HK$37,476
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,654/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,981
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,973
−HK$1,006/mo
Today · 4.125%
HK$38,979
baseline
▲ 0.50% · 4.625%
HK$41,034
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,958/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,782
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,989
−HK$1,225/mo
Today · 4.125%
HK$41,214
baseline
▲ 0.50% · 4.625%
HK$43,722
+HK$2,508/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,428/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,145
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,302
−HK$1,174/mo
Today · 4.125%
HK$45,476
baseline
▲ 0.50% · 4.625%
HK$47,873
+HK$2,397/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,952/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,863
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,414
−HK$1,576/mo
Today · 4.125%
HK$52,990
baseline
▲ 0.50% · 4.625%
HK$56,214
+HK$3,224/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,980/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,472
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,960
−HK$1,509/mo
Today · 4.125%
HK$58,469
baseline
▲ 0.50% · 4.625%
HK$61,551
+HK$3,082/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,938/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,570 · Scale 2, in force from 26 Feb 2026)