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$27,680
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,541
−HK$875/mo
Today · 4.125%
HK$29,416
baseline
▲ 0.50% · 4.625%
HK$31,206
+HK$1,790/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,832/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,794
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,620
−HK$838/mo
Today · 4.125%
HK$32,458
baseline
▲ 0.50% · 4.625%
HK$34,168
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,916/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,216
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,249
−HK$1,050/mo
Today · 4.125%
HK$35,299
baseline
▲ 0.50% · 4.625%
HK$37,447
+HK$2,148/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$70,598/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,953
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,944
−HK$1,005/mo
Today · 4.125%
HK$38,949
baseline
▲ 0.50% · 4.625%
HK$41,002
+HK$2,053/mo
Deposit HK$4.86M · loan HK$7.28M · min. income ≈ HK$77,898/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,752
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,958
−HK$1,224/mo
Today · 4.125%
HK$41,182
baseline
▲ 0.50% · 4.625%
HK$43,688
+HK$2,506/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,364/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,111
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,268
−HK$1,173/mo
Today · 4.125%
HK$45,441
baseline
▲ 0.50% · 4.625%
HK$47,836
+HK$2,395/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,882/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,824
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,374
−HK$1,575/mo
Today · 4.125%
HK$52,949
baseline
▲ 0.50% · 4.625%
HK$56,170
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,898/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,429
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,916
−HK$1,508/mo
Today · 4.125%
HK$58,424
baseline
▲ 0.50% · 4.625%
HK$61,503
+HK$3,079/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,848/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,215 · Scale 2, in force from 26 Feb 2026)