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$27,708
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,570
−HK$875/mo
Today · 4.125%
HK$29,445
baseline
▲ 0.50% · 4.625%
HK$31,237
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,890/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,825
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,652
−HK$838/mo
Today · 4.125%
HK$32,490
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,980/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,250
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,284
−HK$1,051/mo
Today · 4.125%
HK$35,335
baseline
▲ 0.50% · 4.625%
HK$37,485
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,670/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,990
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,982
−HK$1,006/mo
Today · 4.125%
HK$38,988
baseline
▲ 0.50% · 4.625%
HK$41,043
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,976/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,791
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,998
−HK$1,226/mo
Today · 4.125%
HK$41,224
baseline
▲ 0.50% · 4.625%
HK$43,732
+HK$2,508/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,448/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,155
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,312
−HK$1,174/mo
Today · 4.125%
HK$45,486
baseline
▲ 0.50% · 4.625%
HK$47,884
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,972/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,874
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,426
−HK$1,576/mo
Today · 4.125%
HK$53,002
baseline
▲ 0.50% · 4.625%
HK$56,227
+HK$3,225/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,004/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,485
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,973
−HK$1,509/mo
Today · 4.125%
HK$58,482
baseline
▲ 0.50% · 4.625%
HK$61,565
+HK$3,083/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,964/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,672 · Scale 2, in force from 26 Feb 2026)