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$27,663
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,524
−HK$874/mo
Today · 4.125%
HK$29,398
baseline
▲ 0.50% · 4.625%
HK$31,187
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,796/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,775
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,601
−HK$837/mo
Today · 4.125%
HK$32,438
baseline
▲ 0.50% · 4.625%
HK$34,148
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,876/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,196
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,229
−HK$1,049/mo
Today · 4.125%
HK$35,278
baseline
▲ 0.50% · 4.625%
HK$37,424
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,556/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,930
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,005/mo
Today · 4.125%
HK$38,926
baseline
▲ 0.50% · 4.625%
HK$40,977
+HK$2,051/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$454,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,729
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,933
−HK$1,224/mo
Today · 4.125%
HK$41,157
baseline
▲ 0.50% · 4.625%
HK$43,662
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,314/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,085
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,241
−HK$1,172/mo
Today · 4.125%
HK$45,413
baseline
▲ 0.50% · 4.625%
HK$47,807
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,826/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,794
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,343
−HK$1,574/mo
Today · 4.125%
HK$52,917
baseline
▲ 0.50% · 4.625%
HK$56,137
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,834/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,396
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,881
−HK$1,507/mo
Today · 4.125%
HK$58,388
baseline
▲ 0.50% · 4.625%
HK$61,466
+HK$3,078/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,776/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,940 · Scale 2, in force from 26 Feb 2026)