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$27,632
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,491
−HK$874/mo
Today · 4.125%
HK$29,365
baseline
▲ 0.50% · 4.625%
HK$31,151
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,730/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,740
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,565
−HK$836/mo
Today · 4.125%
HK$32,401
baseline
▲ 0.50% · 4.625%
HK$34,109
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,802/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,158
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,190
−HK$1,047/mo
Today · 4.125%
HK$35,237
baseline
▲ 0.50% · 4.625%
HK$37,382
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,474/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,888
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,877
−HK$1,004/mo
Today · 4.125%
HK$38,881
baseline
▲ 0.50% · 4.625%
HK$40,931
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,762/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,685
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,888
−HK$1,222/mo
Today · 4.125%
HK$41,110
baseline
▲ 0.50% · 4.625%
HK$43,612
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,220/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,036
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,190
−HK$1,171/mo
Today · 4.125%
HK$45,361
baseline
▲ 0.50% · 4.625%
HK$47,752
+HK$2,391/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,722/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,737
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,284
−HK$1,572/mo
Today · 4.125%
HK$52,856
baseline
▲ 0.50% · 4.625%
HK$56,072
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,712/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,332
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,816
−HK$1,506/mo
Today · 4.125%
HK$58,322
baseline
▲ 0.50% · 4.625%
HK$61,396
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,644/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,420 · Scale 2, in force from 26 Feb 2026)