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$27,610
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,468
−HK$873/mo
Today · 4.125%
HK$29,341
baseline
▲ 0.50% · 4.625%
HK$31,126
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,682/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,715
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,539
−HK$836/mo
Today · 4.125%
HK$32,375
baseline
▲ 0.50% · 4.625%
HK$34,081
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,750/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,132
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,162
−HK$1,047/mo
Today · 4.125%
HK$35,209
baseline
▲ 0.50% · 4.625%
HK$37,352
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,418/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,859
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,847
−HK$1,003/mo
Today · 4.125%
HK$38,850
baseline
▲ 0.50% · 4.625%
HK$40,898
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,700/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,856
−HK$1,221/mo
Today · 4.125%
HK$41,077
baseline
▲ 0.50% · 4.625%
HK$43,577
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,154/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,002
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,155
−HK$1,170/mo
Today · 4.125%
HK$45,325
baseline
▲ 0.50% · 4.625%
HK$47,714
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,650/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,697
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,243
−HK$1,571/mo
Today · 4.125%
HK$52,814
baseline
▲ 0.50% · 4.625%
HK$56,027
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,628/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,288
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,771
−HK$1,504/mo
Today · 4.125%
HK$58,275
baseline
▲ 0.50% · 4.625%
HK$61,347
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,550/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,056 · Scale 2, in force from 26 Feb 2026)