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$27,629
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,488
−HK$873/mo
Today · 4.125%
HK$29,361
baseline
▲ 0.50% · 4.625%
HK$31,148
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,722/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,736
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$31,561
−HK$836/mo
Today · 4.125%
HK$32,397
baseline
▲ 0.50% · 4.625%
HK$34,105
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,794/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,154
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,186
−HK$1,047/mo
Today · 4.125%
HK$35,233
baseline
▲ 0.50% · 4.625%
HK$37,377
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,466/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,884
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,873
−HK$1,003/mo
Today · 4.125%
HK$38,876
baseline
▲ 0.50% · 4.625%
HK$40,926
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,752/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,680
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,883
−HK$1,223/mo
Today · 4.125%
HK$41,106
baseline
▲ 0.50% · 4.625%
HK$43,607
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,212/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,031
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,185
−HK$1,171/mo
Today · 4.125%
HK$45,356
baseline
▲ 0.50% · 4.625%
HK$47,747
+HK$2,391/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,712/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,731
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,278
−HK$1,572/mo
Today · 4.125%
HK$52,850
baseline
▲ 0.50% · 4.625%
HK$56,066
+HK$3,216/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,700/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,326
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,809
−HK$1,506/mo
Today · 4.125%
HK$58,315
baseline
▲ 0.50% · 4.625%
HK$61,389
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,630/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,366 · Scale 2, in force from 26 Feb 2026)