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$27,724
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,586
−HK$876/mo
Today · 4.125%
HK$29,462
baseline
▲ 0.50% · 4.625%
HK$31,255
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,924/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,842
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,669
−HK$840/mo
Today · 4.125%
HK$32,509
baseline
▲ 0.50% · 4.625%
HK$34,222
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,018/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,268
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,303
−HK$1,052/mo
Today · 4.125%
HK$35,355
baseline
▲ 0.50% · 4.625%
HK$37,506
+HK$2,151/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,710/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,011
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,003
−HK$1,007/mo
Today · 4.125%
HK$39,010
baseline
▲ 0.50% · 4.625%
HK$41,067
+HK$2,057/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$78,020/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,813
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,020
−HK$1,227/mo
Today · 4.125%
HK$41,247
baseline
▲ 0.50% · 4.625%
HK$43,757
+HK$2,510/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,494/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,179
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,337
−HK$1,175/mo
Today · 4.125%
HK$45,512
baseline
▲ 0.50% · 4.625%
HK$47,911
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,024/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,903
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,455
−HK$1,577/mo
Today · 4.125%
HK$53,032
baseline
▲ 0.50% · 4.625%
HK$56,259
+HK$3,227/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,064/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,516
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,005
−HK$1,510/mo
Today · 4.125%
HK$58,515
baseline
▲ 0.50% · 4.625%
HK$61,600
+HK$3,085/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,030/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,930 · Scale 2, in force from 26 Feb 2026)