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$27,636
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,496
−HK$873/mo
Today · 4.125%
HK$29,369
baseline
▲ 0.50% · 4.625%
HK$31,156
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,738/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,745
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,570
−HK$836/mo
Today · 4.125%
HK$32,406
baseline
▲ 0.50% · 4.625%
HK$34,114
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,812/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,163
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,195
−HK$1,048/mo
Today · 4.125%
HK$35,243
baseline
▲ 0.50% · 4.625%
HK$37,388
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,486/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,894
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,884
−HK$1,003/mo
Today · 4.125%
HK$38,887
baseline
▲ 0.50% · 4.625%
HK$40,937
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,774/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,691
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,894
−HK$1,223/mo
Today · 4.125%
HK$41,117
baseline
▲ 0.50% · 4.625%
HK$43,619
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,234/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,043
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,197
−HK$1,172/mo
Today · 4.125%
HK$45,369
baseline
▲ 0.50% · 4.625%
HK$47,760
+HK$2,391/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,738/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,745
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,293
−HK$1,572/mo
Today · 4.125%
HK$52,865
baseline
▲ 0.50% · 4.625%
HK$56,081
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,730/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,341
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,825
−HK$1,506/mo
Today · 4.125%
HK$58,331
baseline
▲ 0.50% · 4.625%
HK$61,406
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,662/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,493 · Scale 2, in force from 26 Feb 2026)