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$27,750
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$28,613
−HK$877/mo
Today · 4.125%
HK$29,490
baseline
▲ 0.50% · 4.625%
HK$31,285
+HK$1,795/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,980/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,872
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$31,700
−HK$840/mo
Today · 4.125%
HK$32,540
baseline
▲ 0.50% · 4.625%
HK$34,255
+HK$1,715/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,080/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,300
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,336
−HK$1,052/mo
Today · 4.125%
HK$35,388
baseline
▲ 0.50% · 4.625%
HK$37,542
+HK$2,154/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$70,776/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,046
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,040
−HK$1,007/mo
Today · 4.125%
HK$39,047
baseline
▲ 0.50% · 4.625%
HK$41,106
+HK$2,059/mo
Deposit HK$4.87M · loan HK$7.30M · min. income ≈ HK$78,094/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,850
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,059
−HK$1,227/mo
Today · 4.125%
HK$41,286
baseline
▲ 0.50% · 4.625%
HK$43,798
+HK$2,512/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$82,572/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,220
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,379
−HK$1,176/mo
Today · 4.125%
HK$45,555
baseline
▲ 0.50% · 4.625%
HK$47,957
+HK$2,402/mo
Deposit HK$3.65M · loan HK$8.52M · min. income ≈ HK$91,110/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$456,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,950
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,504
−HK$1,578/mo
Today · 4.125%
HK$53,082
baseline
▲ 0.50% · 4.625%
HK$56,312
+HK$3,230/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,164/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,569
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,059
−HK$1,512/mo
Today · 4.125%
HK$58,571
baseline
▲ 0.50% · 4.625%
HK$61,659
+HK$3,088/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,142/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,364 · Scale 2, in force from 26 Feb 2026)