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$27,657
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,517
−HK$874/mo
Today · 4.125%
HK$29,391
baseline
▲ 0.50% · 4.625%
HK$31,180
+HK$1,789/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,782/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,768
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$837/mo
Today · 4.125%
HK$32,430
baseline
▲ 0.50% · 4.625%
HK$34,140
+HK$1,710/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,860/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,188
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,221
−HK$1,049/mo
Today · 4.125%
HK$35,270
baseline
▲ 0.50% · 4.625%
HK$37,416
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,540/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,922
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,912
−HK$1,005/mo
Today · 4.125%
HK$38,917
baseline
▲ 0.50% · 4.625%
HK$40,968
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,834/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,720
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,924
−HK$1,224/mo
Today · 4.125%
HK$41,148
baseline
▲ 0.50% · 4.625%
HK$43,652
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,296/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,075
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,231
−HK$1,172/mo
Today · 4.125%
HK$45,403
baseline
▲ 0.50% · 4.625%
HK$47,796
+HK$2,393/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,806/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,783
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,331
−HK$1,573/mo
Today · 4.125%
HK$52,904
baseline
▲ 0.50% · 4.625%
HK$56,124
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,808/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,383
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,868
−HK$1,507/mo
Today · 4.125%
HK$58,375
baseline
▲ 0.50% · 4.625%
HK$61,452
+HK$3,077/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,750/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,835 · Scale 2, in force from 26 Feb 2026)