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$27,648
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,508
−HK$874/mo
Today · 4.125%
HK$29,382
baseline
▲ 0.50% · 4.625%
HK$31,170
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,764/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,758
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,583
−HK$837/mo
Today · 4.125%
HK$32,420
baseline
▲ 0.50% · 4.625%
HK$34,129
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,840/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,178
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,210
−HK$1,049/mo
Today · 4.125%
HK$35,259
baseline
▲ 0.50% · 4.625%
HK$37,404
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,518/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,910
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,900
−HK$1,004/mo
Today · 4.125%
HK$38,904
baseline
▲ 0.50% · 4.625%
HK$40,955
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,808/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,708
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,912
−HK$1,223/mo
Today · 4.125%
HK$41,135
baseline
▲ 0.50% · 4.625%
HK$43,638
+HK$2,503/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,270/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,062
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,217
−HK$1,171/mo
Today · 4.125%
HK$45,388
baseline
▲ 0.50% · 4.625%
HK$47,781
+HK$2,393/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,776/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,767
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,315
−HK$1,573/mo
Today · 4.125%
HK$52,888
baseline
▲ 0.50% · 4.625%
HK$56,106
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,776/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,365
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,850
−HK$1,506/mo
Today · 4.125%
HK$58,356
baseline
▲ 0.50% · 4.625%
HK$61,432
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,712/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,691 · Scale 2, in force from 26 Feb 2026)