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$27,617
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,476
−HK$873/mo
Today · 4.125%
HK$29,349
baseline
▲ 0.50% · 4.625%
HK$31,135
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,698/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,724
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,548
−HK$836/mo
Today · 4.125%
HK$32,384
baseline
▲ 0.50% · 4.625%
HK$34,091
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,768/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,140
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,171
−HK$1,048/mo
Today · 4.125%
HK$35,219
baseline
▲ 0.50% · 4.625%
HK$37,362
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,438/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,868
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,857
−HK$1,003/mo
Today · 4.125%
HK$38,860
baseline
▲ 0.50% · 4.625%
HK$40,909
+HK$2,049/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,720/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,664
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,866
−HK$1,222/mo
Today · 4.125%
HK$41,088
baseline
▲ 0.50% · 4.625%
HK$43,589
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,176/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,013
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,167
−HK$1,170/mo
Today · 4.125%
HK$45,337
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,674/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,711
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,257
−HK$1,571/mo
Today · 4.125%
HK$52,828
baseline
▲ 0.50% · 4.625%
HK$56,042
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,656/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,303
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,786
−HK$1,504/mo
Today · 4.125%
HK$58,290
baseline
▲ 0.50% · 4.625%
HK$61,363
+HK$3,073/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,580/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,177 · Scale 2, in force from 26 Feb 2026)