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$27,719
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,581
−HK$876/mo
Today · 4.125%
HK$29,457
baseline
▲ 0.50% · 4.625%
HK$31,250
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,914/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,837
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$839/mo
Today · 4.125%
HK$32,503
baseline
▲ 0.50% · 4.625%
HK$34,216
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,006/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,263
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,297
−HK$1,052/mo
Today · 4.125%
HK$35,349
baseline
▲ 0.50% · 4.625%
HK$37,500
+HK$2,151/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,698/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,005
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$37,997
−HK$1,007/mo
Today · 4.125%
HK$39,004
baseline
▲ 0.50% · 4.625%
HK$41,060
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$78,008/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,807
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,014
−HK$1,226/mo
Today · 4.125%
HK$41,240
baseline
▲ 0.50% · 4.625%
HK$43,749
+HK$2,509/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,480/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,172
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,330
−HK$1,174/mo
Today · 4.125%
HK$45,504
baseline
▲ 0.50% · 4.625%
HK$47,903
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,008/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,894
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,446
−HK$1,577/mo
Today · 4.125%
HK$53,023
baseline
▲ 0.50% · 4.625%
HK$56,249
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,046/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,507
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,995
−HK$1,511/mo
Today · 4.125%
HK$58,506
baseline
▲ 0.50% · 4.625%
HK$61,590
+HK$3,084/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,012/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,854 · Scale 2, in force from 26 Feb 2026)