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$27,613
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,472
−HK$873/mo
Today · 4.125%
HK$29,345
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,690/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$836/mo
Today · 4.125%
HK$32,379
baseline
▲ 0.50% · 4.625%
HK$34,086
+HK$1,707/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,758/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,136
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,167
−HK$1,047/mo
Today · 4.125%
HK$35,214
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,428/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,863
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,852
−HK$1,003/mo
Today · 4.125%
HK$38,855
baseline
▲ 0.50% · 4.625%
HK$40,903
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,710/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,659
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,861
−HK$1,222/mo
Today · 4.125%
HK$41,083
baseline
▲ 0.50% · 4.625%
HK$43,583
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,166/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,007
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,161
−HK$1,170/mo
Today · 4.125%
HK$45,331
baseline
▲ 0.50% · 4.625%
HK$47,720
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,662/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,704
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,250
−HK$1,571/mo
Today · 4.125%
HK$52,821
baseline
▲ 0.50% · 4.625%
HK$56,035
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,642/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,295
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,778
−HK$1,504/mo
Today · 4.125%
HK$58,282
baseline
▲ 0.50% · 4.625%
HK$61,355
+HK$3,073/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,564/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,114 · Scale 2, in force from 26 Feb 2026)