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$27,744
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$876/mo
Today · 4.125%
HK$29,483
baseline
▲ 0.50% · 4.625%
HK$31,277
+HK$1,794/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,966/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,865
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,692
−HK$840/mo
Today · 4.125%
HK$32,532
baseline
▲ 0.50% · 4.625%
HK$34,247
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,064/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,292
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,328
−HK$1,052/mo
Today · 4.125%
HK$35,380
baseline
▲ 0.50% · 4.625%
HK$37,533
+HK$2,153/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,760/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,038
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,031
−HK$1,008/mo
Today · 4.125%
HK$39,039
baseline
▲ 0.50% · 4.625%
HK$41,096
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,078/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,841
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,049
−HK$1,228/mo
Today · 4.125%
HK$41,277
baseline
▲ 0.50% · 4.625%
HK$43,788
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,554/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,210
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,369
−HK$1,176/mo
Today · 4.125%
HK$45,545
baseline
▲ 0.50% · 4.625%
HK$47,946
+HK$2,401/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,090/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,939
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,492
−HK$1,578/mo
Today · 4.125%
HK$53,070
baseline
▲ 0.50% · 4.625%
HK$56,299
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,140/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,556
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,046
−HK$1,512/mo
Today · 4.125%
HK$58,558
baseline
▲ 0.50% · 4.625%
HK$61,644
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,116/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,260 · Scale 2, in force from 26 Feb 2026)