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$27,681
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,542
−HK$874/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$31,206
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,794
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,620
−HK$838/mo
Today · 4.125%
HK$32,458
baseline
▲ 0.50% · 4.625%
HK$34,169
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,916/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,217
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,250
−HK$1,050/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,448
+HK$2,148/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,953
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,944
−HK$1,006/mo
Today · 4.125%
HK$38,950
baseline
▲ 0.50% · 4.625%
HK$41,003
+HK$2,053/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$77,900/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,753
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,225/mo
Today · 4.125%
HK$41,183
baseline
▲ 0.50% · 4.625%
HK$43,689
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,366/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,112
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,268
−HK$1,173/mo
Today · 4.125%
HK$45,441
baseline
▲ 0.50% · 4.625%
HK$47,837
+HK$2,396/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,882/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,825
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,375
−HK$1,575/mo
Today · 4.125%
HK$52,950
baseline
▲ 0.50% · 4.625%
HK$56,171
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,900/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,430
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,917
−HK$1,508/mo
Today · 4.125%
HK$58,425
baseline
▲ 0.50% · 4.625%
HK$61,504
+HK$3,079/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,850/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,223 · Scale 2, in force from 26 Feb 2026)