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$27,674
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,535
−HK$875/mo
Today · 4.125%
HK$29,410
baseline
▲ 0.50% · 4.625%
HK$31,199
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,820/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,787
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,613
−HK$838/mo
Today · 4.125%
HK$32,451
baseline
▲ 0.50% · 4.625%
HK$34,161
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,902/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,209
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,242
−HK$1,050/mo
Today · 4.125%
HK$35,292
baseline
▲ 0.50% · 4.625%
HK$37,439
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,584/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,945
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,936
−HK$1,005/mo
Today · 4.125%
HK$38,941
baseline
▲ 0.50% · 4.625%
HK$40,993
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,882/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,744
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,949
−HK$1,225/mo
Today · 4.125%
HK$41,174
baseline
▲ 0.50% · 4.625%
HK$43,679
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,348/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,102
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,258
−HK$1,173/mo
Today · 4.125%
HK$45,431
baseline
▲ 0.50% · 4.625%
HK$47,826
+HK$2,395/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,862/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,814
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,363
−HK$1,574/mo
Today · 4.125%
HK$52,937
baseline
▲ 0.50% · 4.625%
HK$56,158
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,874/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,417
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,903
−HK$1,508/mo
Today · 4.125%
HK$58,411
baseline
▲ 0.50% · 4.625%
HK$61,490
+HK$3,079/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,822/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,118 · Scale 2, in force from 26 Feb 2026)