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$27,611
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,470
−HK$872/mo
Today · 4.125%
HK$29,342
baseline
▲ 0.50% · 4.625%
HK$31,128
+HK$1,786/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,684/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,717
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,541
−HK$836/mo
Today · 4.125%
HK$32,377
baseline
▲ 0.50% · 4.625%
HK$34,083
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,754/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,133
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,164
−HK$1,047/mo
Today · 4.125%
HK$35,211
baseline
▲ 0.50% · 4.625%
HK$37,354
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,422/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,860
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,849
−HK$1,003/mo
Today · 4.125%
HK$38,852
baseline
▲ 0.50% · 4.625%
HK$40,900
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,704/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,655
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,858
−HK$1,221/mo
Today · 4.125%
HK$41,079
baseline
▲ 0.50% · 4.625%
HK$43,579
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,158/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,004
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,157
−HK$1,170/mo
Today · 4.125%
HK$45,327
baseline
▲ 0.50% · 4.625%
HK$47,716
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,654/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,700
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,246
−HK$1,570/mo
Today · 4.125%
HK$52,816
baseline
▲ 0.50% · 4.625%
HK$56,030
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,632/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,291
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,773
−HK$1,505/mo
Today · 4.125%
HK$58,278
baseline
▲ 0.50% · 4.625%
HK$61,350
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,556/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,078 · Scale 2, in force from 26 Feb 2026)