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$27,653
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,513
−HK$874/mo
Today · 4.125%
HK$29,387
baseline
▲ 0.50% · 4.625%
HK$31,176
+HK$1,789/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,774/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,764
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,589
−HK$837/mo
Today · 4.125%
HK$32,426
baseline
▲ 0.50% · 4.625%
HK$34,135
+HK$1,709/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,852/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,184
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,216
−HK$1,049/mo
Today · 4.125%
HK$35,265
baseline
▲ 0.50% · 4.625%
HK$37,411
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,530/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,917
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,907
−HK$1,004/mo
Today · 4.125%
HK$38,911
baseline
▲ 0.50% · 4.625%
HK$40,962
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,822/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,715
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,919
−HK$1,223/mo
Today · 4.125%
HK$41,142
baseline
▲ 0.50% · 4.625%
HK$43,646
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,284/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,070
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,225
−HK$1,172/mo
Today · 4.125%
HK$45,397
baseline
▲ 0.50% · 4.625%
HK$47,789
+HK$2,392/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$454,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,776
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,324
−HK$1,573/mo
Today · 4.125%
HK$52,897
baseline
▲ 0.50% · 4.625%
HK$56,116
+HK$3,219/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,794/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,375
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,860
−HK$1,507/mo
Today · 4.125%
HK$58,367
baseline
▲ 0.50% · 4.625%
HK$61,444
+HK$3,077/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,734/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,773 · Scale 2, in force from 26 Feb 2026)