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$27,685
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,547
−HK$874/mo
Today · 4.125%
HK$29,421
baseline
▲ 0.50% · 4.625%
HK$31,212
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,842/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,800
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,626
−HK$838/mo
Today · 4.125%
HK$32,464
baseline
▲ 0.50% · 4.625%
HK$34,175
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,928/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,222
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,256
−HK$1,050/mo
Today · 4.125%
HK$35,306
baseline
▲ 0.50% · 4.625%
HK$37,454
+HK$2,148/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$70,612/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,960
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,951
−HK$1,005/mo
Today · 4.125%
HK$38,956
baseline
▲ 0.50% · 4.625%
HK$41,010
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$77,912/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,760
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,965
−HK$1,225/mo
Today · 4.125%
HK$41,190
baseline
▲ 0.50% · 4.625%
HK$43,696
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,380/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,120
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,276
−HK$1,173/mo
Today · 4.125%
HK$45,449
baseline
▲ 0.50% · 4.625%
HK$47,845
+HK$2,396/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,898/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,834
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,384
−HK$1,575/mo
Today · 4.125%
HK$52,959
baseline
▲ 0.50% · 4.625%
HK$56,181
+HK$3,222/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,918/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,439
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,926
−HK$1,509/mo
Today · 4.125%
HK$58,435
baseline
▲ 0.50% · 4.625%
HK$61,515
+HK$3,080/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,870/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,301 · Scale 2, in force from 26 Feb 2026)