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$27,675
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,536
−HK$874/mo
Today · 4.125%
HK$29,410
baseline
▲ 0.50% · 4.625%
HK$31,200
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,820/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,788
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,614
−HK$837/mo
Today · 4.125%
HK$32,451
baseline
▲ 0.50% · 4.625%
HK$34,162
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,902/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,210
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,243
−HK$1,049/mo
Today · 4.125%
HK$35,292
baseline
▲ 0.50% · 4.625%
HK$37,440
+HK$2,148/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,584/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,946
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,937
−HK$1,005/mo
Today · 4.125%
HK$38,942
baseline
▲ 0.50% · 4.625%
HK$40,994
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,884/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,745
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,950
−HK$1,225/mo
Today · 4.125%
HK$41,175
baseline
▲ 0.50% · 4.625%
HK$43,680
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,350/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,103
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,259
−HK$1,173/mo
Today · 4.125%
HK$45,432
baseline
▲ 0.50% · 4.625%
HK$47,827
+HK$2,395/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,864/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,815
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,364
−HK$1,575/mo
Today · 4.125%
HK$52,939
baseline
▲ 0.50% · 4.625%
HK$56,160
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,878/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,418
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,905
−HK$1,508/mo
Today · 4.125%
HK$58,413
baseline
▲ 0.50% · 4.625%
HK$61,492
+HK$3,079/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,826/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,129 · Scale 2, in force from 26 Feb 2026)