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$27,652
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,512
−HK$874/mo
Today · 4.125%
HK$29,386
baseline
▲ 0.50% · 4.625%
HK$31,174
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,772/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,763
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,588
−HK$837/mo
Today · 4.125%
HK$32,425
baseline
▲ 0.50% · 4.625%
HK$34,134
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,850/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,183
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,215
−HK$1,049/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,409
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,916
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,906
−HK$1,004/mo
Today · 4.125%
HK$38,910
baseline
▲ 0.50% · 4.625%
HK$40,961
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,820/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,713
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,917
−HK$1,224/mo
Today · 4.125%
HK$41,141
baseline
▲ 0.50% · 4.625%
HK$43,644
+HK$2,503/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,282/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,068
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,223
−HK$1,172/mo
Today · 4.125%
HK$45,395
baseline
▲ 0.50% · 4.625%
HK$47,788
+HK$2,393/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,790/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,774
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,322
−HK$1,573/mo
Today · 4.125%
HK$52,895
baseline
▲ 0.50% · 4.625%
HK$56,114
+HK$3,219/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,790/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,373
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,858
−HK$1,507/mo
Today · 4.125%
HK$58,365
baseline
▲ 0.50% · 4.625%
HK$61,441
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,730/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,757 · Scale 2, in force from 26 Feb 2026)