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$27,727
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,589
−HK$876/mo
Today · 4.125%
HK$29,465
baseline
▲ 0.50% · 4.625%
HK$31,258
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,930/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$455,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,845
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,673
−HK$839/mo
Today · 4.125%
HK$32,512
baseline
▲ 0.50% · 4.625%
HK$34,226
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,024/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$455,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,272
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,307
−HK$1,051/mo
Today · 4.125%
HK$35,358
baseline
▲ 0.50% · 4.625%
HK$37,510
+HK$2,152/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$70,716/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,015
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,007
−HK$1,007/mo
Today · 4.125%
HK$39,014
baseline
▲ 0.50% · 4.625%
HK$41,071
+HK$2,057/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$78,028/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,817
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,025
−HK$1,226/mo
Today · 4.125%
HK$41,251
baseline
▲ 0.50% · 4.625%
HK$43,761
+HK$2,510/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,502/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,184
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,342
−HK$1,175/mo
Today · 4.125%
HK$45,517
baseline
▲ 0.50% · 4.625%
HK$47,916
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,034/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,908
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,460
−HK$1,577/mo
Today · 4.125%
HK$53,037
baseline
▲ 0.50% · 4.625%
HK$56,265
+HK$3,228/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,074/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,522
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,011
−HK$1,511/mo
Today · 4.125%
HK$58,522
baseline
▲ 0.50% · 4.625%
HK$61,606
+HK$3,084/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,044/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,977 · Scale 2, in force from 26 Feb 2026)