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$27,643
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,503
−HK$873/mo
Today · 4.125%
HK$29,376
baseline
▲ 0.50% · 4.625%
HK$31,164
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,752/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,752
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,577
−HK$837/mo
Today · 4.125%
HK$32,414
baseline
▲ 0.50% · 4.625%
HK$34,122
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,828/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,171
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,203
−HK$1,048/mo
Today · 4.125%
HK$35,251
baseline
▲ 0.50% · 4.625%
HK$37,396
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,502/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,903
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,892
−HK$1,004/mo
Today · 4.125%
HK$38,896
baseline
▲ 0.50% · 4.625%
HK$40,947
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,792/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,700
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,904
−HK$1,223/mo
Today · 4.125%
HK$41,127
baseline
▲ 0.50% · 4.625%
HK$43,629
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,254/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,053
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,208
−HK$1,171/mo
Today · 4.125%
HK$45,379
baseline
▲ 0.50% · 4.625%
HK$47,771
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,758/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,757
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,305
−HK$1,572/mo
Today · 4.125%
HK$52,877
baseline
▲ 0.50% · 4.625%
HK$56,095
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,754/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,354
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,839
−HK$1,506/mo
Today · 4.125%
HK$58,345
baseline
▲ 0.50% · 4.625%
HK$61,420
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,690/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,599 · Scale 2, in force from 26 Feb 2026)