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$27,597
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$872/mo
Today · 4.125%
HK$29,327
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,654/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,701
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$835/mo
Today · 4.125%
HK$32,360
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,720/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,116
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,146
−HK$1,047/mo
Today · 4.125%
HK$35,193
baseline
▲ 0.50% · 4.625%
HK$37,334
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,386/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,841
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,830
−HK$1,002/mo
Today · 4.125%
HK$38,832
baseline
▲ 0.50% · 4.625%
HK$40,879
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,664/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,636
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,837
−HK$1,221/mo
Today · 4.125%
HK$41,058
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,116/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,982
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,134
−HK$1,170/mo
Today · 4.125%
HK$45,304
baseline
▲ 0.50% · 4.625%
HK$47,692
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,608/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,674
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,219
−HK$1,570/mo
Today · 4.125%
HK$52,789
baseline
▲ 0.50% · 4.625%
HK$56,001
+HK$3,212/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,578/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,262
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,744
−HK$1,504/mo
Today · 4.125%
HK$58,248
baseline
▲ 0.50% · 4.625%
HK$61,318
+HK$3,070/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,496/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,845 · Scale 2, in force from 26 Feb 2026)