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$27,728
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,590
−HK$877/mo
Today · 4.125%
HK$29,467
baseline
▲ 0.50% · 4.625%
HK$31,260
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,934/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,847
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,674
−HK$840/mo
Today · 4.125%
HK$32,514
baseline
▲ 0.50% · 4.625%
HK$34,227
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,028/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,274
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,309
−HK$1,051/mo
Today · 4.125%
HK$35,360
baseline
▲ 0.50% · 4.625%
HK$37,512
+HK$2,152/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$70,720/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,017
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,009
−HK$1,007/mo
Today · 4.125%
HK$39,016
baseline
▲ 0.50% · 4.625%
HK$41,073
+HK$2,057/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$78,032/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,819
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,027
−HK$1,226/mo
Today · 4.125%
HK$41,253
baseline
▲ 0.50% · 4.625%
HK$43,764
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,506/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,186
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,344
−HK$1,175/mo
Today · 4.125%
HK$45,519
baseline
▲ 0.50% · 4.625%
HK$47,918
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,038/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,910
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,463
−HK$1,577/mo
Today · 4.125%
HK$53,040
baseline
▲ 0.50% · 4.625%
HK$56,268
+HK$3,228/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,080/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,525
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,014
−HK$1,511/mo
Today · 4.125%
HK$58,525
baseline
▲ 0.50% · 4.625%
HK$61,609
+HK$3,084/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,050/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,001 · Scale 2, in force from 26 Feb 2026)