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$27,654
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,514
−HK$874/mo
Today · 4.125%
HK$29,388
baseline
▲ 0.50% · 4.625%
HK$31,176
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,776/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,765
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,590
−HK$837/mo
Today · 4.125%
HK$32,427
baseline
▲ 0.50% · 4.625%
HK$34,136
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,854/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,185
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,217
−HK$1,049/mo
Today · 4.125%
HK$35,266
baseline
▲ 0.50% · 4.625%
HK$37,411
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,532/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,918
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,908
−HK$1,004/mo
Today · 4.125%
HK$38,912
baseline
▲ 0.50% · 4.625%
HK$40,963
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,824/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,715
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,920
−HK$1,223/mo
Today · 4.125%
HK$41,143
baseline
▲ 0.50% · 4.625%
HK$43,647
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,286/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,070
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,226
−HK$1,171/mo
Today · 4.125%
HK$45,397
baseline
▲ 0.50% · 4.625%
HK$47,790
+HK$2,393/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,794/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,777
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,325
−HK$1,573/mo
Today · 4.125%
HK$52,898
baseline
▲ 0.50% · 4.625%
HK$56,117
+HK$3,219/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,796/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,376
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,861
−HK$1,507/mo
Today · 4.125%
HK$58,368
baseline
▲ 0.50% · 4.625%
HK$61,445
+HK$3,077/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,736/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,782 · Scale 2, in force from 26 Feb 2026)