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$27,638
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,497
−HK$874/mo
Today · 4.125%
HK$29,371
baseline
▲ 0.50% · 4.625%
HK$31,158
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,742/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,747
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,571
−HK$837/mo
Today · 4.125%
HK$32,408
baseline
▲ 0.50% · 4.625%
HK$34,116
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,816/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,165
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,197
−HK$1,048/mo
Today · 4.125%
HK$35,245
baseline
▲ 0.50% · 4.625%
HK$37,389
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,490/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,896
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,885
−HK$1,004/mo
Today · 4.125%
HK$38,889
baseline
▲ 0.50% · 4.625%
HK$40,939
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,778/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,693
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,896
−HK$1,223/mo
Today · 4.125%
HK$41,119
baseline
▲ 0.50% · 4.625%
HK$43,621
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,238/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,045
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,200
−HK$1,171/mo
Today · 4.125%
HK$45,371
baseline
▲ 0.50% · 4.625%
HK$47,762
+HK$2,391/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,742/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,748
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,295
−HK$1,572/mo
Today · 4.125%
HK$52,867
baseline
▲ 0.50% · 4.625%
HK$56,084
+HK$3,217/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,734/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,344
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,828
−HK$1,506/mo
Today · 4.125%
HK$58,334
baseline
▲ 0.50% · 4.625%
HK$61,409
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,668/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,515 · Scale 2, in force from 26 Feb 2026)