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$27,710
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,572
−HK$876/mo
Today · 4.125%
HK$29,448
baseline
▲ 0.50% · 4.625%
HK$31,240
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,896/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,827
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,654
−HK$839/mo
Today · 4.125%
HK$32,493
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$64,986/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,287
−HK$1,050/mo
Today · 4.125%
HK$35,337
baseline
▲ 0.50% · 4.625%
HK$37,488
+HK$2,151/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,674/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,993
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,985
−HK$1,006/mo
Today · 4.125%
HK$38,991
baseline
▲ 0.50% · 4.625%
HK$41,047
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,982/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,794
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,001
−HK$1,226/mo
Today · 4.125%
HK$41,227
baseline
▲ 0.50% · 4.625%
HK$43,736
+HK$2,509/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,454/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,158
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,316
−HK$1,174/mo
Today · 4.125%
HK$45,490
baseline
▲ 0.50% · 4.625%
HK$47,888
+HK$2,398/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$90,980/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,878
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,430
−HK$1,576/mo
Today · 4.125%
HK$53,006
baseline
▲ 0.50% · 4.625%
HK$56,232
+HK$3,226/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,012/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,489
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,977
−HK$1,510/mo
Today · 4.125%
HK$58,487
baseline
▲ 0.50% · 4.625%
HK$61,570
+HK$3,083/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$116,974/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,709 · Scale 2, in force from 26 Feb 2026)