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$27,628
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,488
−HK$873/mo
Today · 4.125%
HK$29,361
baseline
▲ 0.50% · 4.625%
HK$31,147
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,722/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,736
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,561
−HK$836/mo
Today · 4.125%
HK$32,397
baseline
▲ 0.50% · 4.625%
HK$34,104
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,794/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,154
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,185
−HK$1,048/mo
Today · 4.125%
HK$35,233
baseline
▲ 0.50% · 4.625%
HK$37,377
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,466/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,883
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,873
−HK$1,003/mo
Today · 4.125%
HK$38,876
baseline
▲ 0.50% · 4.625%
HK$40,925
+HK$2,049/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,752/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,680
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,883
−HK$1,222/mo
Today · 4.125%
HK$41,105
baseline
▲ 0.50% · 4.625%
HK$43,606
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,210/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,031
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,185
−HK$1,171/mo
Today · 4.125%
HK$45,356
baseline
▲ 0.50% · 4.625%
HK$47,746
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,712/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,731
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,278
−HK$1,572/mo
Today · 4.125%
HK$52,850
baseline
▲ 0.50% · 4.625%
HK$56,065
+HK$3,215/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,700/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,325
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,809
−HK$1,505/mo
Today · 4.125%
HK$58,314
baseline
▲ 0.50% · 4.625%
HK$61,388
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,628/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,362 · Scale 2, in force from 26 Feb 2026)