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$27,732
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,594
−HK$877/mo
Today · 4.125%
HK$29,471
baseline
▲ 0.50% · 4.625%
HK$31,264
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,942/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,851
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,679
−HK$839/mo
Today · 4.125%
HK$32,518
baseline
▲ 0.50% · 4.625%
HK$34,232
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,036/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$456,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,278
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,313
−HK$1,052/mo
Today · 4.125%
HK$35,365
baseline
▲ 0.50% · 4.625%
HK$37,517
+HK$2,152/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$70,730/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,022
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,014
−HK$1,008/mo
Today · 4.125%
HK$39,022
baseline
▲ 0.50% · 4.625%
HK$41,079
+HK$2,057/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$78,044/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$456,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,824
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,032
−HK$1,227/mo
Today · 4.125%
HK$41,259
baseline
▲ 0.50% · 4.625%
HK$43,770
+HK$2,511/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,518/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,192
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,350
−HK$1,175/mo
Today · 4.125%
HK$45,525
baseline
▲ 0.50% · 4.625%
HK$47,925
+HK$2,400/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,050/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$456,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,917
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,470
−HK$1,577/mo
Today · 4.125%
HK$53,047
baseline
▲ 0.50% · 4.625%
HK$56,275
+HK$3,228/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$106,094/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,532
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,022
−HK$1,511/mo
Today · 4.125%
HK$58,533
baseline
▲ 0.50% · 4.625%
HK$61,618
+HK$3,085/mo
Deposit HK$1.22M · loan HK$10.95M · min. income ≈ HK$117,066/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$456,064 · Scale 2, in force from 26 Feb 2026)