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$27,659
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,519
−HK$874/mo
Today · 4.125%
HK$29,393
baseline
▲ 0.50% · 4.625%
HK$31,181
+HK$1,788/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,786/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,770
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,595
−HK$837/mo
Today · 4.125%
HK$32,432
baseline
▲ 0.50% · 4.625%
HK$34,142
+HK$1,710/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,864/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,190
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,223
−HK$1,049/mo
Today · 4.125%
HK$35,272
baseline
▲ 0.50% · 4.625%
HK$37,418
+HK$2,146/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,544/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,924
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,914
−HK$1,005/mo
Today · 4.125%
HK$38,919
baseline
▲ 0.50% · 4.625%
HK$40,970
+HK$2,051/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,838/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,722
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,926
−HK$1,224/mo
Today · 4.125%
HK$41,150
baseline
▲ 0.50% · 4.625%
HK$43,654
+HK$2,504/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,300/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,078
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,233
−HK$1,172/mo
Today · 4.125%
HK$45,405
baseline
▲ 0.50% · 4.625%
HK$47,799
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,810/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,785
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,334
−HK$1,573/mo
Today · 4.125%
HK$52,907
baseline
▲ 0.50% · 4.625%
HK$56,127
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,814/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,386
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,871
−HK$1,507/mo
Today · 4.125%
HK$58,378
baseline
▲ 0.50% · 4.625%
HK$61,455
+HK$3,077/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,756/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,860 · Scale 2, in force from 26 Feb 2026)