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$27,633
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,493
−HK$873/mo
Today · 4.125%
HK$29,366
baseline
▲ 0.50% · 4.625%
HK$31,153
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,732/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,742
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$837/mo
Today · 4.125%
HK$32,403
baseline
▲ 0.50% · 4.625%
HK$34,111
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,806/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,160
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,192
−HK$1,048/mo
Today · 4.125%
HK$35,240
baseline
▲ 0.50% · 4.625%
HK$37,384
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,480/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,890
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,880
−HK$1,003/mo
Today · 4.125%
HK$38,883
baseline
▲ 0.50% · 4.625%
HK$40,933
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,766/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,687
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,890
−HK$1,223/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,614
+HK$2,501/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,039
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,193
−HK$1,171/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$47,755
+HK$2,391/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,740
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,287
−HK$1,572/mo
Today · 4.125%
HK$52,859
baseline
▲ 0.50% · 4.625%
HK$56,076
+HK$3,217/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,718/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,336
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,820
−HK$1,505/mo
Today · 4.125%
HK$58,325
baseline
▲ 0.50% · 4.625%
HK$61,400
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,650/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,447 · Scale 2, in force from 26 Feb 2026)