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$27,639
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,499
−HK$873/mo
Today · 4.125%
HK$29,372
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,744/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,748
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,573
−HK$836/mo
Today · 4.125%
HK$32,409
baseline
▲ 0.50% · 4.625%
HK$34,118
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,818/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,167
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$1,049/mo
Today · 4.125%
HK$35,247
baseline
▲ 0.50% · 4.625%
HK$37,391
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,494/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,898
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,004/mo
Today · 4.125%
HK$38,891
baseline
▲ 0.50% · 4.625%
HK$40,941
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,782/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,695
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,898
−HK$1,223/mo
Today · 4.125%
HK$41,121
baseline
▲ 0.50% · 4.625%
HK$43,623
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,242/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,047
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,202
−HK$1,171/mo
Today · 4.125%
HK$45,373
baseline
▲ 0.50% · 4.625%
HK$47,765
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,746/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,750
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,298
−HK$1,572/mo
Today · 4.125%
HK$52,870
baseline
▲ 0.50% · 4.625%
HK$56,087
+HK$3,217/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,740/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,347
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,831
−HK$1,506/mo
Today · 4.125%
HK$58,337
baseline
▲ 0.50% · 4.625%
HK$61,412
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,674/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,538 · Scale 2, in force from 26 Feb 2026)