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$27,693
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,554
−HK$875/mo
Today · 4.125%
HK$29,429
baseline
▲ 0.50% · 4.625%
HK$31,220
+HK$1,791/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,858/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,808
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,634
−HK$838/mo
Today · 4.125%
HK$32,472
baseline
▲ 0.50% · 4.625%
HK$34,184
+HK$1,712/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,944/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,231
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,265
−HK$1,050/mo
Today · 4.125%
HK$35,315
baseline
▲ 0.50% · 4.625%
HK$37,464
+HK$2,149/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,630/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,969
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,961
−HK$1,006/mo
Today · 4.125%
HK$38,967
baseline
▲ 0.50% · 4.625%
HK$41,021
+HK$2,054/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$77,934/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,770
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$39,976
−HK$1,225/mo
Today · 4.125%
HK$41,201
baseline
▲ 0.50% · 4.625%
HK$43,708
+HK$2,507/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,402/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,131
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$44,288
−HK$1,173/mo
Today · 4.125%
HK$45,461
baseline
▲ 0.50% · 4.625%
HK$47,858
+HK$2,397/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,922/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,847
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,397
−HK$1,576/mo
Today · 4.125%
HK$52,973
baseline
▲ 0.50% · 4.625%
HK$56,196
+HK$3,223/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$105,946/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,454
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,941
−HK$1,509/mo
Today · 4.125%
HK$58,450
baseline
▲ 0.50% · 4.625%
HK$61,531
+HK$3,081/mo
Deposit HK$1.21M · loan HK$10.93M · min. income ≈ HK$116,900/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,422 · Scale 2, in force from 26 Feb 2026)