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$27,622
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,481
−HK$873/mo
Today · 4.125%
HK$29,354
baseline
▲ 0.50% · 4.625%
HK$31,140
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,708/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,729
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,553
−HK$836/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,096
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,146
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,177
−HK$1,048/mo
Today · 4.125%
HK$35,225
baseline
▲ 0.50% · 4.625%
HK$37,368
+HK$2,143/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,450/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,875
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,864
−HK$1,003/mo
Today · 4.125%
HK$38,867
baseline
▲ 0.50% · 4.625%
HK$40,916
+HK$2,049/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,734/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,670
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,873
−HK$1,222/mo
Today · 4.125%
HK$41,095
baseline
▲ 0.50% · 4.625%
HK$43,596
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,190/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,021
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,174
−HK$1,171/mo
Today · 4.125%
HK$45,345
baseline
▲ 0.50% · 4.625%
HK$47,735
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,690/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,719
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,266
−HK$1,571/mo
Today · 4.125%
HK$52,837
baseline
▲ 0.50% · 4.625%
HK$56,052
+HK$3,215/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,674/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,312
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,796
−HK$1,504/mo
Today · 4.125%
HK$58,300
baseline
▲ 0.50% · 4.625%
HK$61,374
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,600/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,255 · Scale 2, in force from 26 Feb 2026)