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$27,723
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$28,585
−HK$876/mo
Today · 4.125%
HK$29,461
baseline
▲ 0.50% · 4.625%
HK$31,254
+HK$1,793/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$58,922/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,841
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$31,669
−HK$839/mo
Today · 4.125%
HK$32,508
baseline
▲ 0.50% · 4.625%
HK$34,221
+HK$1,713/mo
Deposit HK$6.08M · loan HK$6.08M · min. income ≈ HK$65,016/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$455,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,267
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,302
−HK$1,052/mo
Today · 4.125%
HK$35,354
baseline
▲ 0.50% · 4.625%
HK$37,505
+HK$2,151/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$70,708/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,010
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,002
−HK$1,007/mo
Today · 4.125%
HK$39,009
baseline
▲ 0.50% · 4.625%
HK$41,065
+HK$2,056/mo
Deposit HK$4.86M · loan HK$7.29M · min. income ≈ HK$78,018/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$455,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,812
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,019
−HK$1,227/mo
Today · 4.125%
HK$41,246
baseline
▲ 0.50% · 4.625%
HK$43,756
+HK$2,510/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$82,492/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,178
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,336
−HK$1,175/mo
Today · 4.125%
HK$45,511
baseline
▲ 0.50% · 4.625%
HK$47,910
+HK$2,399/mo
Deposit HK$3.65M · loan HK$8.51M · min. income ≈ HK$91,022/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,901
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,453
−HK$1,577/mo
Today · 4.125%
HK$53,030
baseline
▲ 0.50% · 4.625%
HK$56,257
+HK$3,227/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$106,060/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,515
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,003
−HK$1,511/mo
Today · 4.125%
HK$58,514
baseline
▲ 0.50% · 4.625%
HK$61,598
+HK$3,084/mo
Deposit HK$1.22M · loan HK$10.94M · min. income ≈ HK$117,028/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,918 · Scale 2, in force from 26 Feb 2026)