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$27,685
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,546
−HK$875/mo
Today · 4.125%
HK$29,421
baseline
▲ 0.50% · 4.625%
HK$31,211
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,842/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,799
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,625
−HK$838/mo
Today · 4.125%
HK$32,463
baseline
▲ 0.50% · 4.625%
HK$34,174
+HK$1,711/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,926/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,221
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,255
−HK$1,050/mo
Today · 4.125%
HK$35,305
baseline
▲ 0.50% · 4.625%
HK$37,453
+HK$2,148/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$70,610/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,959
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,950
−HK$1,005/mo
Today · 4.125%
HK$38,955
baseline
▲ 0.50% · 4.625%
HK$41,009
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$77,910/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,758
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,964
−HK$1,225/mo
Today · 4.125%
HK$41,189
baseline
▲ 0.50% · 4.625%
HK$43,695
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,378/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,118
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,275
−HK$1,173/mo
Today · 4.125%
HK$45,448
baseline
▲ 0.50% · 4.625%
HK$47,843
+HK$2,395/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,896/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,832
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,382
−HK$1,575/mo
Today · 4.125%
HK$52,957
baseline
▲ 0.50% · 4.625%
HK$56,179
+HK$3,222/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,914/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,438
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,925
−HK$1,508/mo
Today · 4.125%
HK$58,433
baseline
▲ 0.50% · 4.625%
HK$61,513
+HK$3,080/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,866/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,288 · Scale 2, in force from 26 Feb 2026)