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$27,668
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,529
−HK$874/mo
Today · 4.125%
HK$29,403
baseline
▲ 0.50% · 4.625%
HK$31,192
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,806/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,781
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,606
−HK$838/mo
Today · 4.125%
HK$32,444
baseline
▲ 0.50% · 4.625%
HK$34,154
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,888/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,202
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,235
−HK$1,049/mo
Today · 4.125%
HK$35,284
baseline
▲ 0.50% · 4.625%
HK$37,431
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,568/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,937
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,927
−HK$1,005/mo
Today · 4.125%
HK$38,932
baseline
▲ 0.50% · 4.625%
HK$40,985
+HK$2,053/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,864/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,736
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,940
−HK$1,225/mo
Today · 4.125%
HK$41,165
baseline
▲ 0.50% · 4.625%
HK$43,669
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,330/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,093
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,249
−HK$1,172/mo
Today · 4.125%
HK$45,421
baseline
▲ 0.50% · 4.625%
HK$47,815
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,842/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,803
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,352
−HK$1,574/mo
Today · 4.125%
HK$52,926
baseline
▲ 0.50% · 4.625%
HK$56,146
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,852/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,405
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,891
−HK$1,508/mo
Today · 4.125%
HK$58,399
baseline
▲ 0.50% · 4.625%
HK$61,477
+HK$3,078/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,798/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,020 · Scale 2, in force from 26 Feb 2026)