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$27,676
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,537
−HK$874/mo
Today · 4.125%
HK$29,411
baseline
▲ 0.50% · 4.625%
HK$31,201
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,822/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,789
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,615
−HK$837/mo
Today · 4.125%
HK$32,452
baseline
▲ 0.50% · 4.625%
HK$34,163
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,904/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,211
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,244
−HK$1,050/mo
Today · 4.125%
HK$35,294
baseline
▲ 0.50% · 4.625%
HK$37,441
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,588/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,947
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,938
−HK$1,005/mo
Today · 4.125%
HK$38,943
baseline
▲ 0.50% · 4.625%
HK$40,996
+HK$2,053/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,886/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,746
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,951
−HK$1,225/mo
Today · 4.125%
HK$41,176
baseline
▲ 0.50% · 4.625%
HK$43,681
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,352/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,105
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,261
−HK$1,172/mo
Today · 4.125%
HK$45,433
baseline
▲ 0.50% · 4.625%
HK$47,828
+HK$2,395/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,866/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,816
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,366
−HK$1,574/mo
Today · 4.125%
HK$52,940
baseline
▲ 0.50% · 4.625%
HK$56,162
+HK$3,222/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,880/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,420
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,907
−HK$1,507/mo
Today · 4.125%
HK$58,414
baseline
▲ 0.50% · 4.625%
HK$61,494
+HK$3,080/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,828/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,143 · Scale 2, in force from 26 Feb 2026)