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$27,667
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,528
−HK$874/mo
Today · 4.125%
HK$29,402
baseline
▲ 0.50% · 4.625%
HK$31,191
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,804/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,780
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,605
−HK$838/mo
Today · 4.125%
HK$32,443
baseline
▲ 0.50% · 4.625%
HK$34,153
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,886/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,201
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,234
−HK$1,049/mo
Today · 4.125%
HK$35,283
baseline
▲ 0.50% · 4.625%
HK$37,430
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,566/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,936
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,926
−HK$1,005/mo
Today · 4.125%
HK$38,931
baseline
▲ 0.50% · 4.625%
HK$40,983
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,862/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,734
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,939
−HK$1,224/mo
Today · 4.125%
HK$41,163
baseline
▲ 0.50% · 4.625%
HK$43,668
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,326/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,092
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,247
−HK$1,173/mo
Today · 4.125%
HK$45,420
baseline
▲ 0.50% · 4.625%
HK$47,814
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,840/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,801
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,350
−HK$1,574/mo
Today · 4.125%
HK$52,924
baseline
▲ 0.50% · 4.625%
HK$56,145
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,848/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,403
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,889
−HK$1,508/mo
Today · 4.125%
HK$58,397
baseline
▲ 0.50% · 4.625%
HK$61,475
+HK$3,078/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,794/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,005 · Scale 2, in force from 26 Feb 2026)