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$27,637
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,497
−HK$873/mo
Today · 4.125%
HK$29,370
baseline
▲ 0.50% · 4.625%
HK$31,158
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,740/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,746
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,571
−HK$836/mo
Today · 4.125%
HK$32,407
baseline
▲ 0.50% · 4.625%
HK$34,116
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,814/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,165
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,196
−HK$1,049/mo
Today · 4.125%
HK$35,245
baseline
▲ 0.50% · 4.625%
HK$37,389
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,490/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,896
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,885
−HK$1,004/mo
Today · 4.125%
HK$38,889
baseline
▲ 0.50% · 4.625%
HK$40,939
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,778/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,692
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,896
−HK$1,223/mo
Today · 4.125%
HK$41,119
baseline
▲ 0.50% · 4.625%
HK$43,621
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,238/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,045
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,199
−HK$1,171/mo
Today · 4.125%
HK$45,370
baseline
▲ 0.50% · 4.625%
HK$47,762
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,740/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,747
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,295
−HK$1,572/mo
Today · 4.125%
HK$52,867
baseline
▲ 0.50% · 4.625%
HK$56,084
+HK$3,217/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,734/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,343
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,828
−HK$1,505/mo
Today · 4.125%
HK$58,333
baseline
▲ 0.50% · 4.625%
HK$61,408
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,666/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,512 · Scale 2, in force from 26 Feb 2026)