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$27,660
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,520
−HK$874/mo
Today · 4.125%
HK$29,394
baseline
▲ 0.50% · 4.625%
HK$31,183
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,788/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,771
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,596
−HK$838/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,143
+HK$1,709/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,192
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,224
−HK$1,049/mo
Today · 4.125%
HK$35,273
baseline
▲ 0.50% · 4.625%
HK$37,419
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,546/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,925
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,916
−HK$1,004/mo
Today · 4.125%
HK$38,920
baseline
▲ 0.50% · 4.625%
HK$40,972
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,840/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,724
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,928
−HK$1,224/mo
Today · 4.125%
HK$41,152
baseline
▲ 0.50% · 4.625%
HK$43,656
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,304/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,080
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,235
−HK$1,172/mo
Today · 4.125%
HK$45,407
baseline
▲ 0.50% · 4.625%
HK$47,801
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,814/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,788
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,336
−HK$1,574/mo
Today · 4.125%
HK$52,910
baseline
▲ 0.50% · 4.625%
HK$56,129
+HK$3,219/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,820/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,388
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,874
−HK$1,507/mo
Today · 4.125%
HK$58,381
baseline
▲ 0.50% · 4.625%
HK$61,458
+HK$3,077/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,762/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,879 · Scale 2, in force from 26 Feb 2026)