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$27,615
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,474
−HK$873/mo
Today · 4.125%
HK$29,347
baseline
▲ 0.50% · 4.625%
HK$31,132
+HK$1,785/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,694/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,721
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,545
−HK$836/mo
Today · 4.125%
HK$32,381
baseline
▲ 0.50% · 4.625%
HK$34,088
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,762/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,138
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,169
−HK$1,047/mo
Today · 4.125%
HK$35,216
baseline
▲ 0.50% · 4.625%
HK$37,359
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,432/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,866
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,854
−HK$1,003/mo
Today · 4.125%
HK$38,857
baseline
▲ 0.50% · 4.625%
HK$40,905
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,714/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,661
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,863
−HK$1,222/mo
Today · 4.125%
HK$41,085
baseline
▲ 0.50% · 4.625%
HK$43,585
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,170/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,010
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,163
−HK$1,170/mo
Today · 4.125%
HK$45,333
baseline
▲ 0.50% · 4.625%
HK$47,723
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,666/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,707
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,253
−HK$1,571/mo
Today · 4.125%
HK$52,824
baseline
▲ 0.50% · 4.625%
HK$56,038
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,648/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,298
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,781
−HK$1,505/mo
Today · 4.125%
HK$58,286
baseline
▲ 0.50% · 4.625%
HK$61,358
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,572/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,141 · Scale 2, in force from 26 Feb 2026)