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$27,664
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,524
−HK$875/mo
Today · 4.125%
HK$29,399
baseline
▲ 0.50% · 4.625%
HK$31,188
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,798/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,776
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,601
−HK$838/mo
Today · 4.125%
HK$32,439
baseline
▲ 0.50% · 4.625%
HK$34,149
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,878/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,197
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,229
−HK$1,050/mo
Today · 4.125%
HK$35,279
baseline
▲ 0.50% · 4.625%
HK$37,425
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,558/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,931
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,922
−HK$1,004/mo
Today · 4.125%
HK$38,926
baseline
▲ 0.50% · 4.625%
HK$40,978
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,852/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,730
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,934
−HK$1,224/mo
Today · 4.125%
HK$41,158
baseline
▲ 0.50% · 4.625%
HK$43,663
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,316/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,086
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,242
−HK$1,172/mo
Today · 4.125%
HK$45,414
baseline
▲ 0.50% · 4.625%
HK$47,808
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,828/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,795
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,344
−HK$1,574/mo
Today · 4.125%
HK$52,918
baseline
▲ 0.50% · 4.625%
HK$56,138
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,836/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,397
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,882
−HK$1,508/mo
Today · 4.125%
HK$58,390
baseline
▲ 0.50% · 4.625%
HK$61,467
+HK$3,077/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,780/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,949 · Scale 2, in force from 26 Feb 2026)