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$27,667
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$28,527
−HK$875/mo
Today · 4.125%
HK$29,402
baseline
▲ 0.50% · 4.625%
HK$31,191
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,804/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,779
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$838/mo
Today · 4.125%
HK$32,442
baseline
▲ 0.50% · 4.625%
HK$34,152
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,884/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$454,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,200
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,233
−HK$1,049/mo
Today · 4.125%
HK$35,282
baseline
▲ 0.50% · 4.625%
HK$37,429
+HK$2,147/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,564/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,935
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,925
−HK$1,005/mo
Today · 4.125%
HK$38,930
baseline
▲ 0.50% · 4.625%
HK$40,982
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,860/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$454,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,733
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,938
−HK$1,224/mo
Today · 4.125%
HK$41,162
baseline
▲ 0.50% · 4.625%
HK$43,667
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$82,324/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,090
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,246
−HK$1,172/mo
Today · 4.125%
HK$45,418
baseline
▲ 0.50% · 4.625%
HK$47,812
+HK$2,394/mo
Deposit HK$3.64M · loan HK$8.49M · min. income ≈ HK$90,836/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,800
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,349
−HK$1,574/mo
Today · 4.125%
HK$52,923
baseline
▲ 0.50% · 4.625%
HK$56,143
+HK$3,220/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,846/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,402
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,888
−HK$1,507/mo
Today · 4.125%
HK$58,395
baseline
▲ 0.50% · 4.625%
HK$61,473
+HK$3,078/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,790/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,992 · Scale 2, in force from 26 Feb 2026)