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$27,656
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$874/mo
Today · 4.125%
HK$29,391
baseline
▲ 0.50% · 4.625%
HK$31,179
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,782/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,767
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$837/mo
Today · 4.125%
HK$32,430
baseline
▲ 0.50% · 4.625%
HK$34,139
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,860/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,188
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,220
−HK$1,049/mo
Today · 4.125%
HK$35,269
baseline
▲ 0.50% · 4.625%
HK$37,415
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,538/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,921
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,911
−HK$1,005/mo
Today · 4.125%
HK$38,916
baseline
▲ 0.50% · 4.625%
HK$40,967
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,832/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,719
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,923
−HK$1,224/mo
Today · 4.125%
HK$41,147
baseline
▲ 0.50% · 4.625%
HK$43,651
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,294/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,074
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,230
−HK$1,171/mo
Today · 4.125%
HK$45,401
baseline
▲ 0.50% · 4.625%
HK$47,795
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,802/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,781
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,330
−HK$1,573/mo
Today · 4.125%
HK$52,903
baseline
▲ 0.50% · 4.625%
HK$56,122
+HK$3,219/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,806/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,381
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,867
−HK$1,506/mo
Today · 4.125%
HK$58,373
baseline
▲ 0.50% · 4.625%
HK$61,450
+HK$3,077/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,746/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,823 · Scale 2, in force from 26 Feb 2026)