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$27,627
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,486
−HK$873/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$31,145
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,734
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$836/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,102
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,152
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,183
−HK$1,048/mo
Today · 4.125%
HK$35,231
baseline
▲ 0.50% · 4.625%
HK$37,375
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,462/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,881
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,870
−HK$1,004/mo
Today · 4.125%
HK$38,874
baseline
▲ 0.50% · 4.625%
HK$40,923
+HK$2,049/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,748/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,677
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,880
−HK$1,223/mo
Today · 4.125%
HK$41,103
baseline
▲ 0.50% · 4.625%
HK$43,604
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,206/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,028
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,182
−HK$1,171/mo
Today · 4.125%
HK$45,353
baseline
▲ 0.50% · 4.625%
HK$47,743
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,706/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,728
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,275
−HK$1,571/mo
Today · 4.125%
HK$52,846
baseline
▲ 0.50% · 4.625%
HK$56,062
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,692/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,322
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,805
−HK$1,506/mo
Today · 4.125%
HK$58,311
baseline
▲ 0.50% · 4.625%
HK$61,384
+HK$3,073/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,622/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,334 · Scale 2, in force from 26 Feb 2026)