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$27,628
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,487
−HK$873/mo
Today · 4.125%
HK$29,360
baseline
▲ 0.50% · 4.625%
HK$31,147
+HK$1,787/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,720/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,736
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,560
−HK$836/mo
Today · 4.125%
HK$32,396
baseline
▲ 0.50% · 4.625%
HK$34,104
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,792/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,153
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,185
−HK$1,047/mo
Today · 4.125%
HK$35,232
baseline
▲ 0.50% · 4.625%
HK$37,376
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,464/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,883
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,872
−HK$1,003/mo
Today · 4.125%
HK$38,875
baseline
▲ 0.50% · 4.625%
HK$40,925
+HK$2,050/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,750/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,679
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,882
−HK$1,222/mo
Today · 4.125%
HK$41,104
baseline
▲ 0.50% · 4.625%
HK$43,606
+HK$2,502/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,208/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,030
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,184
−HK$1,171/mo
Today · 4.125%
HK$45,355
baseline
▲ 0.50% · 4.625%
HK$47,745
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,710/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,730
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,277
−HK$1,572/mo
Today · 4.125%
HK$52,849
baseline
▲ 0.50% · 4.625%
HK$56,064
+HK$3,215/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,698/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,324
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,808
−HK$1,505/mo
Today · 4.125%
HK$58,313
baseline
▲ 0.50% · 4.625%
HK$61,387
+HK$3,074/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,626/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,354 · Scale 2, in force from 26 Feb 2026)