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$27,699
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$28,561
−HK$875/mo
Today · 4.125%
HK$29,436
baseline
▲ 0.50% · 4.625%
HK$31,228
+HK$1,792/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,872/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,815
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$31,642
−HK$838/mo
Today · 4.125%
HK$32,480
baseline
▲ 0.50% · 4.625%
HK$34,192
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,960/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$34,273
−HK$1,051/mo
Today · 4.125%
HK$35,324
baseline
▲ 0.50% · 4.625%
HK$37,473
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,648/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,978
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,970
−HK$1,006/mo
Today · 4.125%
HK$38,976
baseline
▲ 0.50% · 4.625%
HK$41,031
+HK$2,055/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,952/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,779
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,986
−HK$1,225/mo
Today · 4.125%
HK$41,211
baseline
▲ 0.50% · 4.625%
HK$43,719
+HK$2,508/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,422/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,142
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,299
−HK$1,173/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$47,869
+HK$2,397/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,859
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,410
−HK$1,576/mo
Today · 4.125%
HK$52,986
baseline
▲ 0.50% · 4.625%
HK$56,210
+HK$3,224/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,972/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,468
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,955
−HK$1,509/mo
Today · 4.125%
HK$58,464
baseline
▲ 0.50% · 4.625%
HK$61,546
+HK$3,082/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,928/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,533 · Scale 2, in force from 26 Feb 2026)