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$27,620
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,479
−HK$873/mo
Today · 4.125%
HK$29,352
baseline
▲ 0.50% · 4.625%
HK$31,137
+HK$1,785/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,704/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,726
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,551
−HK$836/mo
Today · 4.125%
HK$32,387
baseline
▲ 0.50% · 4.625%
HK$34,094
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,774/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,143
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,174
−HK$1,048/mo
Today · 4.125%
HK$35,222
baseline
▲ 0.50% · 4.625%
HK$37,365
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,444/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,872
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,861
−HK$1,003/mo
Today · 4.125%
HK$38,864
baseline
▲ 0.50% · 4.625%
HK$40,912
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,728/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,667
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,870
−HK$1,222/mo
Today · 4.125%
HK$41,092
baseline
▲ 0.50% · 4.625%
HK$43,592
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,184/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,017
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,171
−HK$1,170/mo
Today · 4.125%
HK$45,341
baseline
▲ 0.50% · 4.625%
HK$47,731
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,682/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,715
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,262
−HK$1,571/mo
Today · 4.125%
HK$52,833
baseline
▲ 0.50% · 4.625%
HK$56,047
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,666/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,308
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,791
−HK$1,505/mo
Today · 4.125%
HK$58,296
baseline
▲ 0.50% · 4.625%
HK$61,369
+HK$3,073/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,592/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,218 · Scale 2, in force from 26 Feb 2026)