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$27,677
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,538
−HK$875/mo
Today · 4.125%
HK$29,413
baseline
▲ 0.50% · 4.625%
HK$31,203
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,826/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,791
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,617
−HK$837/mo
Today · 4.125%
HK$32,454
baseline
▲ 0.50% · 4.625%
HK$34,165
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,908/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,213
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,246
−HK$1,050/mo
Today · 4.125%
HK$35,296
baseline
▲ 0.50% · 4.625%
HK$37,443
+HK$2,147/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$70,592/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,949
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,940
−HK$1,005/mo
Today · 4.125%
HK$38,945
baseline
▲ 0.50% · 4.625%
HK$40,998
+HK$2,053/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$77,890/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,748
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,954
−HK$1,224/mo
Today · 4.125%
HK$41,178
baseline
▲ 0.50% · 4.625%
HK$43,684
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,356/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,107
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,263
−HK$1,173/mo
Today · 4.125%
HK$45,436
baseline
▲ 0.50% · 4.625%
HK$47,831
+HK$2,395/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,872/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,819
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,369
−HK$1,574/mo
Today · 4.125%
HK$52,943
baseline
▲ 0.50% · 4.625%
HK$56,165
+HK$3,222/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,886/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,423
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,910
−HK$1,508/mo
Today · 4.125%
HK$58,418
baseline
▲ 0.50% · 4.625%
HK$61,497
+HK$3,079/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,836/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,169 · Scale 2, in force from 26 Feb 2026)