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$27,703
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,565
−HK$875/mo
Today · 4.125%
HK$29,440
baseline
▲ 0.50% · 4.625%
HK$31,232
+HK$1,792/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,880/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,819
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,646
−HK$839/mo
Today · 4.125%
HK$32,485
baseline
▲ 0.50% · 4.625%
HK$34,197
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,970/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,244
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,278
−HK$1,050/mo
Today · 4.125%
HK$35,328
baseline
▲ 0.50% · 4.625%
HK$37,478
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,656/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,983
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,975
−HK$1,006/mo
Today · 4.125%
HK$38,981
baseline
▲ 0.50% · 4.625%
HK$41,036
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,962/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,784
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,991
−HK$1,225/mo
Today · 4.125%
HK$41,216
baseline
▲ 0.50% · 4.625%
HK$43,724
+HK$2,508/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,432/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,147
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,304
−HK$1,174/mo
Today · 4.125%
HK$45,478
baseline
▲ 0.50% · 4.625%
HK$47,876
+HK$2,398/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,956/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,866
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,417
−HK$1,576/mo
Today · 4.125%
HK$52,993
baseline
▲ 0.50% · 4.625%
HK$56,217
+HK$3,224/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,986/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,475
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,963
−HK$1,509/mo
Today · 4.125%
HK$58,472
baseline
▲ 0.50% · 4.625%
HK$61,554
+HK$3,082/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,944/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,593 · Scale 2, in force from 26 Feb 2026)