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$27,645
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,505
−HK$874/mo
Today · 4.125%
HK$29,379
baseline
▲ 0.50% · 4.625%
HK$31,166
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,758/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,755
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,580
−HK$836/mo
Today · 4.125%
HK$32,416
baseline
▲ 0.50% · 4.625%
HK$34,125
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,832/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,174
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,206
−HK$1,048/mo
Today · 4.125%
HK$35,254
baseline
▲ 0.50% · 4.625%
HK$37,400
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,508/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,906
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,896
−HK$1,004/mo
Today · 4.125%
HK$38,900
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,800/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,703
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,907
−HK$1,223/mo
Today · 4.125%
HK$41,130
baseline
▲ 0.50% · 4.625%
HK$43,633
+HK$2,503/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,260/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,057
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,212
−HK$1,171/mo
Today · 4.125%
HK$45,383
baseline
▲ 0.50% · 4.625%
HK$47,775
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,766/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,761
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,309
−HK$1,573/mo
Today · 4.125%
HK$52,882
baseline
▲ 0.50% · 4.625%
HK$56,099
+HK$3,217/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,764/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,359
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,843
−HK$1,507/mo
Today · 4.125%
HK$58,350
baseline
▲ 0.50% · 4.625%
HK$61,425
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,700/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,638 · Scale 2, in force from 26 Feb 2026)