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$27,627
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,487
−HK$873/mo
Today · 4.125%
HK$29,360
baseline
▲ 0.50% · 4.625%
HK$31,146
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,720/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,735
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$837/mo
Today · 4.125%
HK$32,396
baseline
▲ 0.50% · 4.625%
HK$34,103
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,792/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,153
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,184
−HK$1,048/mo
Today · 4.125%
HK$35,232
baseline
▲ 0.50% · 4.625%
HK$37,375
+HK$2,143/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,464/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,882
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,871
−HK$1,004/mo
Today · 4.125%
HK$38,875
baseline
▲ 0.50% · 4.625%
HK$40,924
+HK$2,049/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,750/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,678
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,881
−HK$1,223/mo
Today · 4.125%
HK$41,104
baseline
▲ 0.50% · 4.625%
HK$43,605
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,208/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,029
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,183
−HK$1,171/mo
Today · 4.125%
HK$45,354
baseline
▲ 0.50% · 4.625%
HK$47,744
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,708/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,729
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,276
−HK$1,571/mo
Today · 4.125%
HK$52,847
baseline
▲ 0.50% · 4.625%
HK$56,063
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,694/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,323
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,807
−HK$1,505/mo
Today · 4.125%
HK$58,312
baseline
▲ 0.50% · 4.625%
HK$61,386
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,624/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,344 · Scale 2, in force from 26 Feb 2026)