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$27,737
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,600
−HK$877/mo
Today · 4.125%
HK$29,477
baseline
▲ 0.50% · 4.625%
HK$31,270
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,954/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,858
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,685
−HK$840/mo
Today · 4.125%
HK$32,525
baseline
▲ 0.50% · 4.625%
HK$34,239
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,050/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,285
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,320
−HK$1,052/mo
Today · 4.125%
HK$35,372
baseline
▲ 0.50% · 4.625%
HK$37,524
+HK$2,152/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,744/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,029
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,022
−HK$1,008/mo
Today · 4.125%
HK$39,030
baseline
▲ 0.50% · 4.625%
HK$41,087
+HK$2,057/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,060/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,832
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,040
−HK$1,228/mo
Today · 4.125%
HK$41,268
baseline
▲ 0.50% · 4.625%
HK$43,779
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,536/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,201
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,359
−HK$1,176/mo
Today · 4.125%
HK$45,535
baseline
▲ 0.50% · 4.625%
HK$47,935
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,070/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,927
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,480
−HK$1,578/mo
Today · 4.125%
HK$53,058
baseline
▲ 0.50% · 4.625%
HK$56,287
+HK$3,229/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,116/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,544
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,033
−HK$1,512/mo
Today · 4.125%
HK$58,545
baseline
▲ 0.50% · 4.625%
HK$61,631
+HK$3,086/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,090/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,157 · Scale 2, in force from 26 Feb 2026)