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$27,671
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,532
−HK$874/mo
Today · 4.125%
HK$29,406
baseline
▲ 0.50% · 4.625%
HK$31,196
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,812/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,784
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,609
−HK$838/mo
Today · 4.125%
HK$32,447
baseline
▲ 0.50% · 4.625%
HK$34,157
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,894/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,205
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,238
−HK$1,050/mo
Today · 4.125%
HK$35,288
baseline
▲ 0.50% · 4.625%
HK$37,435
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,576/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,941
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,931
−HK$1,005/mo
Today · 4.125%
HK$38,936
baseline
▲ 0.50% · 4.625%
HK$40,989
+HK$2,053/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,872/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,740
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,945
−HK$1,224/mo
Today · 4.125%
HK$41,169
baseline
▲ 0.50% · 4.625%
HK$43,674
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,338/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,097
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,253
−HK$1,173/mo
Today · 4.125%
HK$45,426
baseline
▲ 0.50% · 4.625%
HK$47,820
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,852/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,808
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,357
−HK$1,574/mo
Today · 4.125%
HK$52,931
baseline
▲ 0.50% · 4.625%
HK$56,152
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,862/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,411
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,897
−HK$1,508/mo
Today · 4.125%
HK$58,405
baseline
▲ 0.50% · 4.625%
HK$61,483
+HK$3,078/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,810/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,066 · Scale 2, in force from 26 Feb 2026)