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$27,691
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,552
−HK$876/mo
Today · 4.125%
HK$29,428
baseline
▲ 0.50% · 4.625%
HK$31,218
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,856/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,806
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,632
−HK$838/mo
Today · 4.125%
HK$32,470
baseline
▲ 0.50% · 4.625%
HK$34,182
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,940/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,229
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,263
−HK$1,050/mo
Today · 4.125%
HK$35,313
baseline
▲ 0.50% · 4.625%
HK$37,462
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,626/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,967
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,959
−HK$1,006/mo
Today · 4.125%
HK$38,965
baseline
▲ 0.50% · 4.625%
HK$41,018
+HK$2,053/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,930/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,768
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,973
−HK$1,226/mo
Today · 4.125%
HK$41,199
baseline
▲ 0.50% · 4.625%
HK$43,705
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,398/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,129
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,285
−HK$1,174/mo
Today · 4.125%
HK$45,459
baseline
▲ 0.50% · 4.625%
HK$47,855
+HK$2,396/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,918/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,844
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,394
−HK$1,576/mo
Today · 4.125%
HK$52,970
baseline
▲ 0.50% · 4.625%
HK$56,193
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,940/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,451
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,938
−HK$1,509/mo
Today · 4.125%
HK$58,447
baseline
▲ 0.50% · 4.625%
HK$61,528
+HK$3,081/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,894/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,395 · Scale 2, in force from 26 Feb 2026)