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$27,646
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,506
−HK$873/mo
Today · 4.125%
HK$29,379
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,758/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$836/mo
Today · 4.125%
HK$32,417
baseline
▲ 0.50% · 4.625%
HK$34,126
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,834/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,175
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,207
−HK$1,048/mo
Today · 4.125%
HK$35,255
baseline
▲ 0.50% · 4.625%
HK$37,401
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,510/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,907
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,004/mo
Today · 4.125%
HK$38,901
baseline
▲ 0.50% · 4.625%
HK$40,951
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,802/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,704
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,908
−HK$1,223/mo
Today · 4.125%
HK$41,131
baseline
▲ 0.50% · 4.625%
HK$43,634
+HK$2,503/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,262/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,058
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,213
−HK$1,171/mo
Today · 4.125%
HK$45,384
baseline
▲ 0.50% · 4.625%
HK$47,776
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,768/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,762
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,310
−HK$1,573/mo
Today · 4.125%
HK$52,883
baseline
▲ 0.50% · 4.625%
HK$56,101
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,766/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,360
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,845
−HK$1,506/mo
Today · 4.125%
HK$58,351
baseline
▲ 0.50% · 4.625%
HK$61,427
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,702/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,650 · Scale 2, in force from 26 Feb 2026)