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$27,710
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,572
−HK$875/mo
Today · 4.125%
HK$29,447
baseline
▲ 0.50% · 4.625%
HK$31,239
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,894/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,827
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,653
−HK$839/mo
Today · 4.125%
HK$32,492
baseline
▲ 0.50% · 4.625%
HK$34,205
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,984/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,286
−HK$1,051/mo
Today · 4.125%
HK$35,337
baseline
▲ 0.50% · 4.625%
HK$37,487
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,674/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,992
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,984
−HK$1,007/mo
Today · 4.125%
HK$38,991
baseline
▲ 0.50% · 4.625%
HK$41,046
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,982/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,793
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,000
−HK$1,226/mo
Today · 4.125%
HK$41,226
baseline
▲ 0.50% · 4.625%
HK$43,735
+HK$2,509/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,452/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,157
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,315
−HK$1,174/mo
Today · 4.125%
HK$45,489
baseline
▲ 0.50% · 4.625%
HK$47,887
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,978/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,877
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,429
−HK$1,576/mo
Today · 4.125%
HK$53,005
baseline
▲ 0.50% · 4.625%
HK$56,230
+HK$3,225/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,010/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,488
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,976
−HK$1,510/mo
Today · 4.125%
HK$58,486
baseline
▲ 0.50% · 4.625%
HK$61,569
+HK$3,083/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,972/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,700 · Scale 2, in force from 26 Feb 2026)