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$27,696
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,557
−HK$875/mo
Today · 4.125%
HK$29,432
baseline
▲ 0.50% · 4.625%
HK$31,223
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,864/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,811
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,637
−HK$839/mo
Today · 4.125%
HK$32,476
baseline
▲ 0.50% · 4.625%
HK$34,188
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,952/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,235
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,269
−HK$1,050/mo
Today · 4.125%
HK$35,319
baseline
▲ 0.50% · 4.625%
HK$37,468
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,638/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,973
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,965
−HK$1,006/mo
Today · 4.125%
HK$38,971
baseline
▲ 0.50% · 4.625%
HK$41,025
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,942/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,774
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,980
−HK$1,225/mo
Today · 4.125%
HK$41,205
baseline
▲ 0.50% · 4.625%
HK$43,713
+HK$2,508/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,410/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,136
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,292
−HK$1,174/mo
Today · 4.125%
HK$45,466
baseline
▲ 0.50% · 4.625%
HK$47,863
+HK$2,397/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,932/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,852
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,403
−HK$1,575/mo
Today · 4.125%
HK$52,978
baseline
▲ 0.50% · 4.625%
HK$56,202
+HK$3,224/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,956/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,460
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,947
−HK$1,509/mo
Today · 4.125%
HK$58,456
baseline
▲ 0.50% · 4.625%
HK$61,538
+HK$3,082/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,912/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,470 · Scale 2, in force from 26 Feb 2026)