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$27,731
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,593
−HK$877/mo
Today · 4.125%
HK$29,470
baseline
▲ 0.50% · 4.625%
HK$31,263
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,940/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,850
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,678
−HK$839/mo
Today · 4.125%
HK$32,517
baseline
▲ 0.50% · 4.625%
HK$34,231
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,034/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,277
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,312
−HK$1,052/mo
Today · 4.125%
HK$35,364
baseline
▲ 0.50% · 4.625%
HK$37,516
+HK$2,152/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$70,728/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,020
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,013
−HK$1,007/mo
Today · 4.125%
HK$39,020
baseline
▲ 0.50% · 4.625%
HK$41,077
+HK$2,057/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$78,040/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,823
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,031
−HK$1,227/mo
Today · 4.125%
HK$41,258
baseline
▲ 0.50% · 4.625%
HK$43,768
+HK$2,510/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,516/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,190
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,349
−HK$1,175/mo
Today · 4.125%
HK$45,524
baseline
▲ 0.50% · 4.625%
HK$47,924
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,048/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,916
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,468
−HK$1,578/mo
Today · 4.125%
HK$53,046
baseline
▲ 0.50% · 4.625%
HK$56,273
+HK$3,227/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,092/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,531
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,020
−HK$1,511/mo
Today · 4.125%
HK$58,531
baseline
▲ 0.50% · 4.625%
HK$61,616
+HK$3,085/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,062/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,049 · Scale 2, in force from 26 Feb 2026)