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$27,631
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,490
−HK$873/mo
Today · 4.125%
HK$29,363
baseline
▲ 0.50% · 4.625%
HK$31,150
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,726/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,739
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,563
−HK$837/mo
Today · 4.125%
HK$32,400
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,800/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,157
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,188
−HK$1,048/mo
Today · 4.125%
HK$35,236
baseline
▲ 0.50% · 4.625%
HK$37,380
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,472/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,887
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,876
−HK$1,004/mo
Today · 4.125%
HK$38,880
baseline
▲ 0.50% · 4.625%
HK$40,929
+HK$2,049/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,760/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,683
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,886
−HK$1,223/mo
Today · 4.125%
HK$41,109
baseline
▲ 0.50% · 4.625%
HK$43,610
+HK$2,501/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,218/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,035
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,189
−HK$1,171/mo
Today · 4.125%
HK$45,360
baseline
▲ 0.50% · 4.625%
HK$47,751
+HK$2,391/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,720/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,735
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,282
−HK$1,572/mo
Today · 4.125%
HK$52,854
baseline
▲ 0.50% · 4.625%
HK$56,070
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,708/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,330
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,814
−HK$1,505/mo
Today · 4.125%
HK$58,319
baseline
▲ 0.50% · 4.625%
HK$61,394
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,638/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,403 · Scale 2, in force from 26 Feb 2026)