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$27,696
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,558
−HK$875/mo
Today · 4.125%
HK$29,433
baseline
▲ 0.50% · 4.625%
HK$31,224
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,866/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,812
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,638
−HK$839/mo
Today · 4.125%
HK$32,477
baseline
▲ 0.50% · 4.625%
HK$34,188
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,954/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,236
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,269
−HK$1,051/mo
Today · 4.125%
HK$35,320
baseline
▲ 0.50% · 4.625%
HK$37,469
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,640/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,974
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,966
−HK$1,006/mo
Today · 4.125%
HK$38,972
baseline
▲ 0.50% · 4.625%
HK$41,026
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,944/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,775
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,981
−HK$1,225/mo
Today · 4.125%
HK$41,206
baseline
▲ 0.50% · 4.625%
HK$43,714
+HK$2,508/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,412/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,137
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,294
−HK$1,173/mo
Today · 4.125%
HK$45,467
baseline
▲ 0.50% · 4.625%
HK$47,864
+HK$2,397/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,934/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,853
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,404
−HK$1,576/mo
Today · 4.125%
HK$52,980
baseline
▲ 0.50% · 4.625%
HK$56,203
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,960/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,461
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,949
−HK$1,509/mo
Today · 4.125%
HK$58,458
baseline
▲ 0.50% · 4.625%
HK$61,539
+HK$3,081/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,916/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,481 · Scale 2, in force from 26 Feb 2026)