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$27,711
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,573
−HK$875/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,240
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,828
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,655
−HK$838/mo
Today · 4.125%
HK$32,493
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,986/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,253
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,287
−HK$1,051/mo
Today · 4.125%
HK$35,338
baseline
▲ 0.50% · 4.625%
HK$37,488
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,676/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,993
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,986
−HK$1,006/mo
Today · 4.125%
HK$38,992
baseline
▲ 0.50% · 4.625%
HK$41,047
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,984/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,795
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,002
−HK$1,226/mo
Today · 4.125%
HK$41,228
baseline
▲ 0.50% · 4.625%
HK$43,736
+HK$2,508/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,456/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,159
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,317
−HK$1,174/mo
Today · 4.125%
HK$45,491
baseline
▲ 0.50% · 4.625%
HK$47,889
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,982/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,879
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,431
−HK$1,576/mo
Today · 4.125%
HK$53,007
baseline
▲ 0.50% · 4.625%
HK$56,233
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,014/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,490
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,978
−HK$1,510/mo
Today · 4.125%
HK$58,488
baseline
▲ 0.50% · 4.625%
HK$61,571
+HK$3,083/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,976/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,718 · Scale 2, in force from 26 Feb 2026)