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$27,712
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,574
−HK$876/mo
Today · 4.125%
HK$29,450
baseline
▲ 0.50% · 4.625%
HK$31,242
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,900/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,829
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,656
−HK$839/mo
Today · 4.125%
HK$32,495
baseline
▲ 0.50% · 4.625%
HK$34,208
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,990/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,254
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,289
−HK$1,051/mo
Today · 4.125%
HK$35,340
baseline
▲ 0.50% · 4.625%
HK$37,490
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,680/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,995
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,987
−HK$1,007/mo
Today · 4.125%
HK$38,994
baseline
▲ 0.50% · 4.625%
HK$41,049
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,988/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,797
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,004
−HK$1,226/mo
Today · 4.125%
HK$41,230
baseline
▲ 0.50% · 4.625%
HK$43,738
+HK$2,508/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,460/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,161
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,319
−HK$1,174/mo
Today · 4.125%
HK$45,493
baseline
▲ 0.50% · 4.625%
HK$47,891
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,986/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,882
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,433
−HK$1,577/mo
Today · 4.125%
HK$53,010
baseline
▲ 0.50% · 4.625%
HK$56,235
+HK$3,225/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,020/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,493
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,981
−HK$1,510/mo
Today · 4.125%
HK$58,491
baseline
▲ 0.50% · 4.625%
HK$61,574
+HK$3,083/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,982/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,739 · Scale 2, in force from 26 Feb 2026)