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$27,661
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,521
−HK$874/mo
Today · 4.125%
HK$29,395
baseline
▲ 0.50% · 4.625%
HK$31,184
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,790/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,772
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,597
−HK$838/mo
Today · 4.125%
HK$32,435
baseline
▲ 0.50% · 4.625%
HK$34,144
+HK$1,709/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,870/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,193
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,225
−HK$1,049/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,421
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,548/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,927
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,005/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$40,973
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,725
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,929
−HK$1,224/mo
Today · 4.125%
HK$41,153
baseline
▲ 0.50% · 4.625%
HK$43,657
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,306/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,081
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,236
−HK$1,173/mo
Today · 4.125%
HK$45,409
baseline
▲ 0.50% · 4.625%
HK$47,802
+HK$2,393/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,818/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,789
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,338
−HK$1,573/mo
Today · 4.125%
HK$52,911
baseline
▲ 0.50% · 4.625%
HK$56,131
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,822/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,390
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,875
−HK$1,507/mo
Today · 4.125%
HK$58,382
baseline
▲ 0.50% · 4.625%
HK$61,460
+HK$3,078/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,764/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,894 · Scale 2, in force from 26 Feb 2026)