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$27,618
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,477
−HK$873/mo
Today · 4.125%
HK$29,350
baseline
▲ 0.50% · 4.625%
HK$31,136
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,700/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,725
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,549
−HK$836/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,092
+HK$1,707/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,142
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,173
−HK$1,047/mo
Today · 4.125%
HK$35,220
baseline
▲ 0.50% · 4.625%
HK$37,363
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$70,440/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,870
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,859
−HK$1,003/mo
Today · 4.125%
HK$38,862
baseline
▲ 0.50% · 4.625%
HK$40,910
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.27M · min. income ≈ HK$77,724/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,665
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,868
−HK$1,222/mo
Today · 4.125%
HK$41,090
baseline
▲ 0.50% · 4.625%
HK$43,590
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,180/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,015
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,168
−HK$1,171/mo
Today · 4.125%
HK$45,339
baseline
▲ 0.50% · 4.625%
HK$47,728
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,678/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,712
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,259
−HK$1,571/mo
Today · 4.125%
HK$52,830
baseline
▲ 0.50% · 4.625%
HK$56,044
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,660/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,305
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$56,788
−HK$1,505/mo
Today · 4.125%
HK$58,293
baseline
▲ 0.50% · 4.625%
HK$61,365
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,586/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,193 · Scale 2, in force from 26 Feb 2026)