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$27,686
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,547
−HK$875/mo
Today · 4.125%
HK$29,422
baseline
▲ 0.50% · 4.625%
HK$31,212
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,844/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,800
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,626
−HK$838/mo
Today · 4.125%
HK$32,464
baseline
▲ 0.50% · 4.625%
HK$34,176
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,928/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,223
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$1,049/mo
Today · 4.125%
HK$35,306
baseline
▲ 0.50% · 4.625%
HK$37,455
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$70,612/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,960
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,952
−HK$1,005/mo
Today · 4.125%
HK$38,957
baseline
▲ 0.50% · 4.625%
HK$41,011
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$77,914/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,760
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,966
−HK$1,225/mo
Today · 4.125%
HK$41,191
baseline
▲ 0.50% · 4.625%
HK$43,697
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,382/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,120
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,277
−HK$1,173/mo
Today · 4.125%
HK$45,450
baseline
▲ 0.50% · 4.625%
HK$47,846
+HK$2,396/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,900/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,835
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,385
−HK$1,575/mo
Today · 4.125%
HK$52,960
baseline
▲ 0.50% · 4.625%
HK$56,182
+HK$3,222/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,920/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,441
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,927
−HK$1,509/mo
Today · 4.125%
HK$58,436
baseline
▲ 0.50% · 4.625%
HK$61,516
+HK$3,080/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,872/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,310 · Scale 2, in force from 26 Feb 2026)