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$27,692
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,553
−HK$876/mo
Today · 4.125%
HK$29,429
baseline
▲ 0.50% · 4.625%
HK$31,219
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,858/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,807
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,633
−HK$839/mo
Today · 4.125%
HK$32,472
baseline
▲ 0.50% · 4.625%
HK$34,183
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,944/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,231
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,264
−HK$1,050/mo
Today · 4.125%
HK$35,314
baseline
▲ 0.50% · 4.625%
HK$37,463
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,628/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,969
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,960
−HK$1,006/mo
Today · 4.125%
HK$38,966
baseline
▲ 0.50% · 4.625%
HK$41,020
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,932/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,769
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,975
−HK$1,225/mo
Today · 4.125%
HK$41,200
baseline
▲ 0.50% · 4.625%
HK$43,707
+HK$2,507/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,400/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,130
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,287
−HK$1,173/mo
Today · 4.125%
HK$45,460
baseline
▲ 0.50% · 4.625%
HK$47,857
+HK$2,397/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,920/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,846
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,396
−HK$1,576/mo
Today · 4.125%
HK$52,972
baseline
▲ 0.50% · 4.625%
HK$56,195
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,944/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,453
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,940
−HK$1,509/mo
Today · 4.125%
HK$58,449
baseline
▲ 0.50% · 4.625%
HK$61,530
+HK$3,081/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,898/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,412 · Scale 2, in force from 26 Feb 2026)