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$27,679
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,539
−HK$875/mo
Today · 4.125%
HK$29,414
baseline
▲ 0.50% · 4.625%
HK$31,204
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,828/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,792
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,618
−HK$838/mo
Today · 4.125%
HK$32,456
baseline
▲ 0.50% · 4.625%
HK$34,166
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,912/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,214
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,247
−HK$1,050/mo
Today · 4.125%
HK$35,297
baseline
▲ 0.50% · 4.625%
HK$37,445
+HK$2,148/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$70,594/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,950
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,941
−HK$1,006/mo
Today · 4.125%
HK$38,947
baseline
▲ 0.50% · 4.625%
HK$41,000
+HK$2,053/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$77,894/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,750
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,955
−HK$1,225/mo
Today · 4.125%
HK$41,180
baseline
▲ 0.50% · 4.625%
HK$43,686
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,360/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,109
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,265
−HK$1,173/mo
Today · 4.125%
HK$45,438
baseline
▲ 0.50% · 4.625%
HK$47,833
+HK$2,395/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,876/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,821
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,371
−HK$1,575/mo
Today · 4.125%
HK$52,946
baseline
▲ 0.50% · 4.625%
HK$56,167
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,892/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,426
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,912
−HK$1,508/mo
Today · 4.125%
HK$58,420
baseline
▲ 0.50% · 4.625%
HK$61,500
+HK$3,080/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,840/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,188 · Scale 2, in force from 26 Feb 2026)