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$27,646
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,506
−HK$874/mo
Today · 4.125%
HK$29,380
baseline
▲ 0.50% · 4.625%
HK$31,167
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,760/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,756
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$837/mo
Today · 4.125%
HK$32,418
baseline
▲ 0.50% · 4.625%
HK$34,126
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,836/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,175
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,207
−HK$1,049/mo
Today · 4.125%
HK$35,256
baseline
▲ 0.50% · 4.625%
HK$37,401
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,512/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,907
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,004/mo
Today · 4.125%
HK$38,901
baseline
▲ 0.50% · 4.625%
HK$40,952
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,802/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,704
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,908
−HK$1,224/mo
Today · 4.125%
HK$41,132
baseline
▲ 0.50% · 4.625%
HK$43,634
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,264/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,058
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,213
−HK$1,172/mo
Today · 4.125%
HK$45,385
baseline
▲ 0.50% · 4.625%
HK$47,777
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,770/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,763
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,311
−HK$1,572/mo
Today · 4.125%
HK$52,883
baseline
▲ 0.50% · 4.625%
HK$56,101
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,766/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,361
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,845
−HK$1,507/mo
Today · 4.125%
HK$58,352
baseline
▲ 0.50% · 4.625%
HK$61,427
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,704/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,654 · Scale 2, in force from 26 Feb 2026)