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$27,639
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$28,498
−HK$874/mo
Today · 4.125%
HK$29,372
baseline
▲ 0.50% · 4.625%
HK$31,159
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,744/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,748
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$837/mo
Today · 4.125%
HK$32,409
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,818/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,166
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$1,048/mo
Today · 4.125%
HK$35,246
baseline
▲ 0.50% · 4.625%
HK$37,391
+HK$2,145/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,492/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,897
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,004/mo
Today · 4.125%
HK$38,891
baseline
▲ 0.50% · 4.625%
HK$40,941
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,782/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,694
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,898
−HK$1,223/mo
Today · 4.125%
HK$41,121
baseline
▲ 0.50% · 4.625%
HK$43,623
+HK$2,502/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$82,242/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,047
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,201
−HK$1,172/mo
Today · 4.125%
HK$45,373
baseline
▲ 0.50% · 4.625%
HK$47,764
+HK$2,391/mo
Deposit HK$3.64M · loan HK$8.48M · min. income ≈ HK$90,746/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,750
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,297
−HK$1,572/mo
Today · 4.125%
HK$52,869
baseline
▲ 0.50% · 4.625%
HK$56,086
+HK$3,217/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$105,738/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,346
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,830
−HK$1,506/mo
Today · 4.125%
HK$58,336
baseline
▲ 0.50% · 4.625%
HK$61,411
+HK$3,075/mo
Deposit HK$1.21M · loan HK$10.91M · min. income ≈ HK$116,672/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,534 · Scale 2, in force from 26 Feb 2026)