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$27,687
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,548
−HK$875/mo
Today · 4.125%
HK$29,423
baseline
▲ 0.50% · 4.625%
HK$31,213
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,846/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,801
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,627
−HK$838/mo
Today · 4.125%
HK$32,465
baseline
▲ 0.50% · 4.625%
HK$34,176
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,930/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,224
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$1,050/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,456
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,961
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,953
−HK$1,005/mo
Today · 4.125%
HK$38,958
baseline
▲ 0.50% · 4.625%
HK$41,012
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,916/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,761
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,967
−HK$1,225/mo
Today · 4.125%
HK$41,192
baseline
▲ 0.50% · 4.625%
HK$43,698
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,384/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,121
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,278
−HK$1,173/mo
Today · 4.125%
HK$45,451
baseline
▲ 0.50% · 4.625%
HK$47,847
+HK$2,396/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,902/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,836
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,386
−HK$1,575/mo
Today · 4.125%
HK$52,961
baseline
▲ 0.50% · 4.625%
HK$56,184
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,922/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,442
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,929
−HK$1,508/mo
Today · 4.125%
HK$58,437
baseline
▲ 0.50% · 4.625%
HK$61,518
+HK$3,081/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,874/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,321 · Scale 2, in force from 26 Feb 2026)