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$27,725
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$877/mo
Today · 4.125%
HK$29,464
baseline
▲ 0.50% · 4.625%
HK$31,256
+HK$1,792/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,928/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$455,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,844
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$31,671
−HK$839/mo
Today · 4.125%
HK$32,510
baseline
▲ 0.50% · 4.625%
HK$34,224
+HK$1,714/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,020/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$455,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,270
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,305
−HK$1,051/mo
Today · 4.125%
HK$35,356
baseline
▲ 0.50% · 4.625%
HK$37,508
+HK$2,152/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$70,712/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,012
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,005
−HK$1,007/mo
Today · 4.125%
HK$39,012
baseline
▲ 0.50% · 4.625%
HK$41,069
+HK$2,057/mo
Deposit HK$4.86M · loan HK$7.30M · min. income ≈ HK$78,024/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,815
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,022
−HK$1,227/mo
Today · 4.125%
HK$41,249
baseline
▲ 0.50% · 4.625%
HK$43,759
+HK$2,510/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,498/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,181
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,339
−HK$1,175/mo
Today · 4.125%
HK$45,514
baseline
▲ 0.50% · 4.625%
HK$47,913
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,028/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,905
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,457
−HK$1,577/mo
Today · 4.125%
HK$53,034
baseline
▲ 0.50% · 4.625%
HK$56,261
+HK$3,227/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,068/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,519
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,008
−HK$1,510/mo
Today · 4.125%
HK$58,518
baseline
▲ 0.50% · 4.625%
HK$61,603
+HK$3,085/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,036/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,951 · Scale 2, in force from 26 Feb 2026)