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$27,720
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,582
−HK$876/mo
Today · 4.125%
HK$29,458
baseline
▲ 0.50% · 4.625%
HK$31,251
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,916/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,838
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,665
−HK$839/mo
Today · 4.125%
HK$32,504
baseline
▲ 0.50% · 4.625%
HK$34,218
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,008/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,264
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,299
−HK$1,051/mo
Today · 4.125%
HK$35,350
baseline
▲ 0.50% · 4.625%
HK$37,501
+HK$2,151/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,700/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,006
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,998
−HK$1,007/mo
Today · 4.125%
HK$39,005
baseline
▲ 0.50% · 4.625%
HK$41,061
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$78,010/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,808
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,015
−HK$1,227/mo
Today · 4.125%
HK$41,242
baseline
▲ 0.50% · 4.625%
HK$43,751
+HK$2,509/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,484/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,174
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,331
−HK$1,175/mo
Today · 4.125%
HK$45,506
baseline
▲ 0.50% · 4.625%
HK$47,905
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,012/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,896
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,448
−HK$1,577/mo
Today · 4.125%
HK$53,025
baseline
▲ 0.50% · 4.625%
HK$56,251
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,050/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,509
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,998
−HK$1,510/mo
Today · 4.125%
HK$58,508
baseline
▲ 0.50% · 4.625%
HK$61,592
+HK$3,084/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,016/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,871 · Scale 2, in force from 26 Feb 2026)