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$27,635
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,494
−HK$874/mo
Today · 4.125%
HK$29,368
baseline
▲ 0.50% · 4.625%
HK$31,155
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,736/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,744
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,568
−HK$837/mo
Today · 4.125%
HK$32,405
baseline
▲ 0.50% · 4.625%
HK$34,113
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,810/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,162
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,193
−HK$1,048/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,386
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,892
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,882
−HK$1,003/mo
Today · 4.125%
HK$38,885
baseline
▲ 0.50% · 4.625%
HK$40,935
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,770/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,689
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,892
−HK$1,223/mo
Today · 4.125%
HK$41,115
baseline
▲ 0.50% · 4.625%
HK$43,617
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,230/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,041
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,195
−HK$1,171/mo
Today · 4.125%
HK$45,366
baseline
▲ 0.50% · 4.625%
HK$47,758
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,732/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,743
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,290
−HK$1,572/mo
Today · 4.125%
HK$52,862
baseline
▲ 0.50% · 4.625%
HK$56,079
+HK$3,217/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,724/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,338
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,822
−HK$1,506/mo
Today · 4.125%
HK$58,328
baseline
▲ 0.50% · 4.625%
HK$61,403
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,656/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,470 · Scale 2, in force from 26 Feb 2026)