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$27,698
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,559
−HK$876/mo
Today · 4.125%
HK$29,435
baseline
▲ 0.50% · 4.625%
HK$31,226
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,870/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,814
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,640
−HK$838/mo
Today · 4.125%
HK$32,478
baseline
▲ 0.50% · 4.625%
HK$34,190
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,956/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,271
−HK$1,051/mo
Today · 4.125%
HK$35,322
baseline
▲ 0.50% · 4.625%
HK$37,471
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,644/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,976
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,968
−HK$1,006/mo
Today · 4.125%
HK$38,974
baseline
▲ 0.50% · 4.625%
HK$41,028
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,948/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,777
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,983
−HK$1,226/mo
Today · 4.125%
HK$41,209
baseline
▲ 0.50% · 4.625%
HK$43,716
+HK$2,507/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,418/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,139
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,296
−HK$1,174/mo
Today · 4.125%
HK$45,470
baseline
▲ 0.50% · 4.625%
HK$47,866
+HK$2,396/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,940/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,856
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,407
−HK$1,576/mo
Today · 4.125%
HK$52,983
baseline
▲ 0.50% · 4.625%
HK$56,206
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,966/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,464
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,952
−HK$1,509/mo
Today · 4.125%
HK$58,461
baseline
▲ 0.50% · 4.625%
HK$61,543
+HK$3,082/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,922/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,506 · Scale 2, in force from 26 Feb 2026)