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$27,662
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,523
−HK$874/mo
Today · 4.125%
HK$29,397
baseline
▲ 0.50% · 4.625%
HK$31,185
+HK$1,788/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,794/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,774
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,599
−HK$837/mo
Today · 4.125%
HK$32,436
baseline
▲ 0.50% · 4.625%
HK$34,146
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,872/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,195
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,227
−HK$1,049/mo
Today · 4.125%
HK$35,276
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,552/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,929
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,919
−HK$1,005/mo
Today · 4.125%
HK$38,924
baseline
▲ 0.50% · 4.625%
HK$40,975
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,848/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,727
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,932
−HK$1,223/mo
Today · 4.125%
HK$41,155
baseline
▲ 0.50% · 4.625%
HK$43,660
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,310/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,083
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,239
−HK$1,172/mo
Today · 4.125%
HK$45,411
baseline
▲ 0.50% · 4.625%
HK$47,805
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,822/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,792
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,341
−HK$1,573/mo
Today · 4.125%
HK$52,914
baseline
▲ 0.50% · 4.625%
HK$56,134
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,828/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,393
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,878
−HK$1,508/mo
Today · 4.125%
HK$58,386
baseline
▲ 0.50% · 4.625%
HK$61,463
+HK$3,077/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,772/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,918 · Scale 2, in force from 26 Feb 2026)