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$27,650
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,510
−HK$874/mo
Today · 4.125%
HK$29,384
baseline
▲ 0.50% · 4.625%
HK$31,172
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,768/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,760
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,585
−HK$837/mo
Today · 4.125%
HK$32,422
baseline
▲ 0.50% · 4.625%
HK$34,131
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,844/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,180
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$1,048/mo
Today · 4.125%
HK$35,260
baseline
▲ 0.50% · 4.625%
HK$37,406
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,520/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,912
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,902
−HK$1,004/mo
Today · 4.125%
HK$38,906
baseline
▲ 0.50% · 4.625%
HK$40,957
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,812/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,710
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,914
−HK$1,223/mo
Today · 4.125%
HK$41,137
baseline
▲ 0.50% · 4.625%
HK$43,640
+HK$2,503/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,274/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,064
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,219
−HK$1,172/mo
Today · 4.125%
HK$45,391
baseline
▲ 0.50% · 4.625%
HK$47,783
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,782/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,770
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,318
−HK$1,573/mo
Today · 4.125%
HK$52,891
baseline
▲ 0.50% · 4.625%
HK$56,109
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,782/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,368
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,853
−HK$1,507/mo
Today · 4.125%
HK$58,360
baseline
▲ 0.50% · 4.625%
HK$61,436
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,720/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,716 · Scale 2, in force from 26 Feb 2026)