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$27,673
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,534
−HK$874/mo
Today · 4.125%
HK$29,408
baseline
▲ 0.50% · 4.625%
HK$31,198
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,816/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,786
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,611
−HK$838/mo
Today · 4.125%
HK$32,449
baseline
▲ 0.50% · 4.625%
HK$34,159
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,898/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,207
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,240
−HK$1,050/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,437
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,943
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,934
−HK$1,005/mo
Today · 4.125%
HK$38,939
baseline
▲ 0.50% · 4.625%
HK$40,991
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,878/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,947
−HK$1,224/mo
Today · 4.125%
HK$41,171
baseline
▲ 0.50% · 4.625%
HK$43,677
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,342/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,100
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,256
−HK$1,173/mo
Today · 4.125%
HK$45,429
baseline
▲ 0.50% · 4.625%
HK$47,823
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,858/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,811
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,360
−HK$1,575/mo
Today · 4.125%
HK$52,935
baseline
▲ 0.50% · 4.625%
HK$56,156
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,870/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,414
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,900
−HK$1,508/mo
Today · 4.125%
HK$58,408
baseline
▲ 0.50% · 4.625%
HK$61,487
+HK$3,079/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,816/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,094 · Scale 2, in force from 26 Feb 2026)