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$27,707
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,569
−HK$876/mo
Today · 4.125%
HK$29,445
baseline
▲ 0.50% · 4.625%
HK$31,236
+HK$1,791/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,890/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,824
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,651
−HK$838/mo
Today · 4.125%
HK$32,489
baseline
▲ 0.50% · 4.625%
HK$34,202
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,978/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,249
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,283
−HK$1,051/mo
Today · 4.125%
HK$35,334
baseline
▲ 0.50% · 4.625%
HK$37,484
+HK$2,150/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,668/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,989
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,981
−HK$1,006/mo
Today · 4.125%
HK$38,987
baseline
▲ 0.50% · 4.625%
HK$41,042
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,974/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,790
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,997
−HK$1,226/mo
Today · 4.125%
HK$41,223
baseline
▲ 0.50% · 4.625%
HK$43,731
+HK$2,508/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,446/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,154
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,311
−HK$1,174/mo
Today · 4.125%
HK$45,485
baseline
▲ 0.50% · 4.625%
HK$47,883
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,970/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,873
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,424
−HK$1,576/mo
Today · 4.125%
HK$53,000
baseline
▲ 0.50% · 4.625%
HK$56,225
+HK$3,225/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,000/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,483
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,971
−HK$1,510/mo
Today · 4.125%
HK$58,481
baseline
▲ 0.50% · 4.625%
HK$61,563
+HK$3,082/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,962/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,660 · Scale 2, in force from 26 Feb 2026)