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$27,693
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,555
−HK$875/mo
Today · 4.125%
HK$29,430
baseline
▲ 0.50% · 4.625%
HK$31,221
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,860/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,809
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,635
−HK$838/mo
Today · 4.125%
HK$32,473
baseline
▲ 0.50% · 4.625%
HK$34,185
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,946/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,232
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,266
−HK$1,050/mo
Today · 4.125%
HK$35,316
baseline
▲ 0.50% · 4.625%
HK$37,465
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,632/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,970
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,962
−HK$1,006/mo
Today · 4.125%
HK$38,968
baseline
▲ 0.50% · 4.625%
HK$41,022
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,936/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,771
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,977
−HK$1,225/mo
Today · 4.125%
HK$41,202
baseline
▲ 0.50% · 4.625%
HK$43,709
+HK$2,507/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,404/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,132
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,289
−HK$1,173/mo
Today · 4.125%
HK$45,462
baseline
▲ 0.50% · 4.625%
HK$47,859
+HK$2,397/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,924/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,848
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,399
−HK$1,575/mo
Today · 4.125%
HK$52,974
baseline
▲ 0.50% · 4.625%
HK$56,197
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,948/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,455
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,943
−HK$1,509/mo
Today · 4.125%
HK$58,452
baseline
▲ 0.50% · 4.625%
HK$61,533
+HK$3,081/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,904/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,432 · Scale 2, in force from 26 Feb 2026)