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$27,638
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,498
−HK$874/mo
Today · 4.125%
HK$29,372
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,744/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,747
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$837/mo
Today · 4.125%
HK$32,409
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,818/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,166
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$1,048/mo
Today · 4.125%
HK$35,246
baseline
▲ 0.50% · 4.625%
HK$37,390
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,492/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,897
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,886
−HK$1,004/mo
Today · 4.125%
HK$38,890
baseline
▲ 0.50% · 4.625%
HK$40,940
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,780/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,694
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,897
−HK$1,223/mo
Today · 4.125%
HK$41,120
baseline
▲ 0.50% · 4.625%
HK$43,622
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,240/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,046
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,201
−HK$1,171/mo
Today · 4.125%
HK$45,372
baseline
▲ 0.50% · 4.625%
HK$47,764
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,744/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,749
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,297
−HK$1,572/mo
Today · 4.125%
HK$52,869
baseline
▲ 0.50% · 4.625%
HK$56,086
+HK$3,217/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,738/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,345
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,830
−HK$1,505/mo
Today · 4.125%
HK$58,335
baseline
▲ 0.50% · 4.625%
HK$61,410
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,670/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,528 · Scale 2, in force from 26 Feb 2026)