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$27,613
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,472
−HK$872/mo
Today · 4.125%
HK$29,344
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,786/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,688/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$835/mo
Today · 4.125%
HK$32,378
baseline
▲ 0.50% · 4.625%
HK$34,085
+HK$1,707/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,756/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,135
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,166
−HK$1,047/mo
Today · 4.125%
HK$35,213
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,426/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,863
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,851
−HK$1,003/mo
Today · 4.125%
HK$38,854
baseline
▲ 0.50% · 4.625%
HK$40,902
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,708/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,658
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,860
−HK$1,222/mo
Today · 4.125%
HK$41,082
baseline
▲ 0.50% · 4.625%
HK$43,582
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,164/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,006
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,160
−HK$1,170/mo
Today · 4.125%
HK$45,330
baseline
▲ 0.50% · 4.625%
HK$47,719
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,660/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,703
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,249
−HK$1,571/mo
Today · 4.125%
HK$52,820
baseline
▲ 0.50% · 4.625%
HK$56,034
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,640/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,294
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,777
−HK$1,504/mo
Today · 4.125%
HK$58,281
baseline
▲ 0.50% · 4.625%
HK$61,353
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,562/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,105 · Scale 2, in force from 26 Feb 2026)