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$27,644
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,503
−HK$874/mo
Today · 4.125%
HK$29,377
baseline
▲ 0.50% · 4.625%
HK$31,165
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,754/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,753
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,578
−HK$837/mo
Today · 4.125%
HK$32,415
baseline
▲ 0.50% · 4.625%
HK$34,123
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,830/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,172
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,204
−HK$1,049/mo
Today · 4.125%
HK$35,253
baseline
▲ 0.50% · 4.625%
HK$37,398
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,506/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,904
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,894
−HK$1,004/mo
Today · 4.125%
HK$38,898
baseline
▲ 0.50% · 4.625%
HK$40,948
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,796/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,701
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,905
−HK$1,223/mo
Today · 4.125%
HK$41,128
baseline
▲ 0.50% · 4.625%
HK$43,630
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,256/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,054
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,209
−HK$1,172/mo
Today · 4.125%
HK$45,381
baseline
▲ 0.50% · 4.625%
HK$47,773
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,762/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,758
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,306
−HK$1,573/mo
Today · 4.125%
HK$52,879
baseline
▲ 0.50% · 4.625%
HK$56,096
+HK$3,217/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,758/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,356
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,840
−HK$1,506/mo
Today · 4.125%
HK$58,346
baseline
▲ 0.50% · 4.625%
HK$61,422
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,692/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,614 · Scale 2, in force from 26 Feb 2026)