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$27,640
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,500
−HK$873/mo
Today · 4.125%
HK$29,373
baseline
▲ 0.50% · 4.625%
HK$31,160
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,746/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,749
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,574
−HK$836/mo
Today · 4.125%
HK$32,410
baseline
▲ 0.50% · 4.625%
HK$34,119
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,820/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,168
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,199
−HK$1,049/mo
Today · 4.125%
HK$35,248
baseline
▲ 0.50% · 4.625%
HK$37,392
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,496/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,899
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,888
−HK$1,004/mo
Today · 4.125%
HK$38,892
baseline
▲ 0.50% · 4.625%
HK$40,942
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,784/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,696
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,899
−HK$1,223/mo
Today · 4.125%
HK$41,122
baseline
▲ 0.50% · 4.625%
HK$43,624
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,244/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,049
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,203
−HK$1,171/mo
Today · 4.125%
HK$45,374
baseline
▲ 0.50% · 4.625%
HK$47,766
+HK$2,392/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,748/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,752
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,299
−HK$1,572/mo
Today · 4.125%
HK$52,871
baseline
▲ 0.50% · 4.625%
HK$56,089
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,742/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,348
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,833
−HK$1,505/mo
Today · 4.125%
HK$58,338
baseline
▲ 0.50% · 4.625%
HK$61,414
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,676/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,551 · Scale 2, in force from 26 Feb 2026)