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$27,722
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,584
−HK$876/mo
Today · 4.125%
HK$29,460
baseline
▲ 0.50% · 4.625%
HK$31,252
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,920/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,840
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,667
−HK$839/mo
Today · 4.125%
HK$32,506
baseline
▲ 0.50% · 4.625%
HK$34,220
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,012/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,266
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,301
−HK$1,051/mo
Today · 4.125%
HK$35,352
baseline
▲ 0.50% · 4.625%
HK$37,503
+HK$2,151/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,704/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,008
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,000
−HK$1,007/mo
Today · 4.125%
HK$39,007
baseline
▲ 0.50% · 4.625%
HK$41,063
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$78,014/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,810
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,017
−HK$1,227/mo
Today · 4.125%
HK$41,244
baseline
▲ 0.50% · 4.625%
HK$43,753
+HK$2,509/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,488/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,176
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,334
−HK$1,175/mo
Today · 4.125%
HK$45,509
baseline
▲ 0.50% · 4.625%
HK$47,907
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,018/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,899
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,451
−HK$1,577/mo
Today · 4.125%
HK$53,028
baseline
▲ 0.50% · 4.625%
HK$56,254
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,056/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,512
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,001
−HK$1,510/mo
Today · 4.125%
HK$58,511
baseline
▲ 0.50% · 4.625%
HK$61,595
+HK$3,084/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,022/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,895 · Scale 2, in force from 26 Feb 2026)