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$27,651
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,511
−HK$874/mo
Today · 4.125%
HK$29,385
baseline
▲ 0.50% · 4.625%
HK$31,173
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,770/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,762
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,587
−HK$837/mo
Today · 4.125%
HK$32,424
baseline
▲ 0.50% · 4.625%
HK$34,133
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,848/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,182
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,214
−HK$1,048/mo
Today · 4.125%
HK$35,262
baseline
▲ 0.50% · 4.625%
HK$37,408
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,524/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,914
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,005/mo
Today · 4.125%
HK$38,909
baseline
▲ 0.50% · 4.625%
HK$40,959
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,818/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,712
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,916
−HK$1,223/mo
Today · 4.125%
HK$41,139
baseline
▲ 0.50% · 4.625%
HK$43,643
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,278/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,067
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,222
−HK$1,171/mo
Today · 4.125%
HK$45,393
baseline
▲ 0.50% · 4.625%
HK$47,786
+HK$2,393/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,786/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,772
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,321
−HK$1,573/mo
Today · 4.125%
HK$52,894
baseline
▲ 0.50% · 4.625%
HK$56,112
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,788/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,371
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,856
−HK$1,507/mo
Today · 4.125%
HK$58,363
baseline
▲ 0.50% · 4.625%
HK$61,439
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,726/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,741 · Scale 2, in force from 26 Feb 2026)