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$27,633
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,492
−HK$874/mo
Today · 4.125%
HK$29,366
baseline
▲ 0.50% · 4.625%
HK$31,152
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,732/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,741
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$836/mo
Today · 4.125%
HK$32,402
baseline
▲ 0.50% · 4.625%
HK$34,110
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,804/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,159
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,191
−HK$1,048/mo
Today · 4.125%
HK$35,239
baseline
▲ 0.50% · 4.625%
HK$37,383
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,478/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,889
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,003/mo
Today · 4.125%
HK$38,882
baseline
▲ 0.50% · 4.625%
HK$40,932
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,764/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,686
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,889
−HK$1,223/mo
Today · 4.125%
HK$41,112
baseline
▲ 0.50% · 4.625%
HK$43,613
+HK$2,501/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,224/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,038
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,192
−HK$1,171/mo
Today · 4.125%
HK$45,363
baseline
▲ 0.50% · 4.625%
HK$47,754
+HK$2,391/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,726/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,739
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,286
−HK$1,572/mo
Today · 4.125%
HK$52,858
baseline
▲ 0.50% · 4.625%
HK$56,074
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,716/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,334
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,818
−HK$1,506/mo
Today · 4.125%
HK$58,324
baseline
▲ 0.50% · 4.625%
HK$61,398
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,648/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,435 · Scale 2, in force from 26 Feb 2026)