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$27,621
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$873/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,729
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,553
−HK$836/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,096
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,146
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,177
−HK$1,047/mo
Today · 4.125%
HK$35,224
baseline
▲ 0.50% · 4.625%
HK$37,368
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,448/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,874
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,863
−HK$1,004/mo
Today · 4.125%
HK$38,867
baseline
▲ 0.50% · 4.625%
HK$40,915
+HK$2,048/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,734/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,670
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,873
−HK$1,222/mo
Today · 4.125%
HK$41,095
baseline
▲ 0.50% · 4.625%
HK$43,596
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,190/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,020
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,174
−HK$1,170/mo
Today · 4.125%
HK$45,344
baseline
▲ 0.50% · 4.625%
HK$47,734
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,688/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,719
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,265
−HK$1,571/mo
Today · 4.125%
HK$52,836
baseline
▲ 0.50% · 4.625%
HK$56,051
+HK$3,215/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,672/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,312
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,795
−HK$1,505/mo
Today · 4.125%
HK$58,300
baseline
▲ 0.50% · 4.625%
HK$61,373
+HK$3,073/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,600/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,250 · Scale 2, in force from 26 Feb 2026)