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$27,600
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,458
−HK$873/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$31,115
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,705
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,528
−HK$835/mo
Today · 4.125%
HK$32,363
baseline
▲ 0.50% · 4.625%
HK$34,069
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,726/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,120
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,150
−HK$1,047/mo
Today · 4.125%
HK$35,197
baseline
▲ 0.50% · 4.625%
HK$37,338
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,394/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,845
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,834
−HK$1,002/mo
Today · 4.125%
HK$38,836
baseline
▲ 0.50% · 4.625%
HK$40,883
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,672/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,640
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,842
−HK$1,221/mo
Today · 4.125%
HK$41,063
baseline
▲ 0.50% · 4.625%
HK$43,561
+HK$2,498/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,126/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,986
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,139
−HK$1,170/mo
Today · 4.125%
HK$45,309
baseline
▲ 0.50% · 4.625%
HK$47,697
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,618/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,680
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,225
−HK$1,570/mo
Today · 4.125%
HK$52,795
baseline
▲ 0.50% · 4.625%
HK$56,008
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,590/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,268
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,750
−HK$1,504/mo
Today · 4.125%
HK$58,254
baseline
▲ 0.50% · 4.625%
HK$61,325
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,508/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,894 · Scale 2, in force from 26 Feb 2026)