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$27,619
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,478
−HK$873/mo
Today · 4.125%
HK$29,351
baseline
▲ 0.50% · 4.625%
HK$31,137
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,702/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,726
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,550
−HK$836/mo
Today · 4.125%
HK$32,386
baseline
▲ 0.50% · 4.625%
HK$34,093
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,772/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,143
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,174
−HK$1,047/mo
Today · 4.125%
HK$35,221
baseline
▲ 0.50% · 4.625%
HK$37,365
+HK$2,144/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,442/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,871
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,860
−HK$1,003/mo
Today · 4.125%
HK$38,863
baseline
▲ 0.50% · 4.625%
HK$40,912
+HK$2,049/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,726/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,667
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,870
−HK$1,222/mo
Today · 4.125%
HK$41,092
baseline
▲ 0.50% · 4.625%
HK$43,592
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,184/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,017
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,170
−HK$1,171/mo
Today · 4.125%
HK$45,341
baseline
▲ 0.50% · 4.625%
HK$47,731
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,682/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,715
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,261
−HK$1,571/mo
Today · 4.125%
HK$52,832
baseline
▲ 0.50% · 4.625%
HK$56,047
+HK$3,215/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,664/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,307
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,790
−HK$1,505/mo
Today · 4.125%
HK$58,295
baseline
▲ 0.50% · 4.625%
HK$61,368
+HK$3,073/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,590/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,214 · Scale 2, in force from 26 Feb 2026)