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$27,655
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,515
−HK$874/mo
Today · 4.125%
HK$29,389
baseline
▲ 0.50% · 4.625%
HK$31,177
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,778/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,766
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,591
−HK$837/mo
Today · 4.125%
HK$32,428
baseline
▲ 0.50% · 4.625%
HK$34,137
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,856/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,186
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,218
−HK$1,049/mo
Today · 4.125%
HK$35,267
baseline
▲ 0.50% · 4.625%
HK$37,413
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,534/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,919
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,909
−HK$1,005/mo
Today · 4.125%
HK$38,914
baseline
▲ 0.50% · 4.625%
HK$40,965
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,828/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,717
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,921
−HK$1,224/mo
Today · 4.125%
HK$41,145
baseline
▲ 0.50% · 4.625%
HK$43,648
+HK$2,503/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,290/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,072
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,227
−HK$1,172/mo
Today · 4.125%
HK$45,399
baseline
▲ 0.50% · 4.625%
HK$47,792
+HK$2,393/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,798/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,779
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,327
−HK$1,573/mo
Today · 4.125%
HK$52,900
baseline
▲ 0.50% · 4.625%
HK$56,119
+HK$3,219/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,800/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,378
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,864
−HK$1,506/mo
Today · 4.125%
HK$58,370
baseline
▲ 0.50% · 4.625%
HK$61,447
+HK$3,077/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,740/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,800 · Scale 2, in force from 26 Feb 2026)