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$27,656
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,516
−HK$874/mo
Today · 4.125%
HK$29,390
baseline
▲ 0.50% · 4.625%
HK$31,178
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,780/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,766
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,592
−HK$837/mo
Today · 4.125%
HK$32,429
baseline
▲ 0.50% · 4.625%
HK$34,138
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,858/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,187
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,219
−HK$1,049/mo
Today · 4.125%
HK$35,268
baseline
▲ 0.50% · 4.625%
HK$37,414
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,536/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,920
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,910
−HK$1,004/mo
Today · 4.125%
HK$38,914
baseline
▲ 0.50% · 4.625%
HK$40,966
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,828/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,718
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,922
−HK$1,224/mo
Today · 4.125%
HK$41,146
baseline
▲ 0.50% · 4.625%
HK$43,649
+HK$2,503/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,292/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,073
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,228
−HK$1,172/mo
Today · 4.125%
HK$45,400
baseline
▲ 0.50% · 4.625%
HK$47,793
+HK$2,393/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,800/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,780
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,328
−HK$1,574/mo
Today · 4.125%
HK$52,902
baseline
▲ 0.50% · 4.625%
HK$56,120
+HK$3,218/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,804/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,380
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,865
−HK$1,507/mo
Today · 4.125%
HK$58,372
baseline
▲ 0.50% · 4.625%
HK$61,448
+HK$3,076/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,744/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,810 · Scale 2, in force from 26 Feb 2026)