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$27,651
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,511
−HK$874/mo
Today · 4.125%
HK$29,385
baseline
▲ 0.50% · 4.625%
HK$31,173
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,770/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,761
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,586
−HK$837/mo
Today · 4.125%
HK$32,423
baseline
▲ 0.50% · 4.625%
HK$34,132
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,846/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,181
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,213
−HK$1,049/mo
Today · 4.125%
HK$35,262
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,524/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,914
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,004/mo
Today · 4.125%
HK$38,908
baseline
▲ 0.50% · 4.625%
HK$40,959
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,816/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,711
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,915
−HK$1,224/mo
Today · 4.125%
HK$41,139
baseline
▲ 0.50% · 4.625%
HK$43,642
+HK$2,503/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,278/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,066
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,221
−HK$1,172/mo
Today · 4.125%
HK$45,393
baseline
▲ 0.50% · 4.625%
HK$47,785
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,786/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,772
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,320
−HK$1,573/mo
Today · 4.125%
HK$52,893
baseline
▲ 0.50% · 4.625%
HK$56,111
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,786/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,370
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,855
−HK$1,507/mo
Today · 4.125%
HK$58,362
baseline
▲ 0.50% · 4.625%
HK$61,438
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,724/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,733 · Scale 2, in force from 26 Feb 2026)