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$27,697
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,559
−HK$875/mo
Today · 4.125%
HK$29,434
baseline
▲ 0.50% · 4.625%
HK$31,225
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,868/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,813
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,639
−HK$839/mo
Today · 4.125%
HK$32,478
baseline
▲ 0.50% · 4.625%
HK$34,190
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,956/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,271
−HK$1,050/mo
Today · 4.125%
HK$35,321
baseline
▲ 0.50% · 4.625%
HK$37,470
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,642/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,976
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,967
−HK$1,006/mo
Today · 4.125%
HK$38,973
baseline
▲ 0.50% · 4.625%
HK$41,028
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,946/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,776
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,982
−HK$1,226/mo
Today · 4.125%
HK$41,208
baseline
▲ 0.50% · 4.625%
HK$43,715
+HK$2,507/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,416/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,138
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,295
−HK$1,174/mo
Today · 4.125%
HK$45,469
baseline
▲ 0.50% · 4.625%
HK$47,866
+HK$2,397/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,938/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,855
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,406
−HK$1,576/mo
Today · 4.125%
HK$52,982
baseline
▲ 0.50% · 4.625%
HK$56,205
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,964/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,463
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,951
−HK$1,509/mo
Today · 4.125%
HK$58,460
baseline
▲ 0.50% · 4.625%
HK$61,541
+HK$3,081/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,920/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,498 · Scale 2, in force from 26 Feb 2026)