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$27,689
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,550
−HK$875/mo
Today · 4.125%
HK$29,425
baseline
▲ 0.50% · 4.625%
HK$31,216
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,850/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,804
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,630
−HK$838/mo
Today · 4.125%
HK$32,468
baseline
▲ 0.50% · 4.625%
HK$34,179
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,936/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,227
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,260
−HK$1,050/mo
Today · 4.125%
HK$35,310
baseline
▲ 0.50% · 4.625%
HK$37,459
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,620/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,964
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,956
−HK$1,005/mo
Today · 4.125%
HK$38,961
baseline
▲ 0.50% · 4.625%
HK$41,015
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,922/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,765
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,970
−HK$1,225/mo
Today · 4.125%
HK$41,195
baseline
▲ 0.50% · 4.625%
HK$43,702
+HK$2,507/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,390/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,125
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,282
−HK$1,173/mo
Today · 4.125%
HK$45,455
baseline
▲ 0.50% · 4.625%
HK$47,851
+HK$2,396/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,910/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,840
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,390
−HK$1,575/mo
Today · 4.125%
HK$52,965
baseline
▲ 0.50% · 4.625%
HK$56,188
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,930/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,447
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,934
−HK$1,508/mo
Today · 4.125%
HK$58,442
baseline
▲ 0.50% · 4.625%
HK$61,523
+HK$3,081/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,884/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,359 · Scale 2, in force from 26 Feb 2026)