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$27,673
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$28,534
−HK$875/mo
Today · 4.125%
HK$29,409
baseline
▲ 0.50% · 4.625%
HK$31,198
+HK$1,789/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$58,818/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,786
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$31,612
−HK$838/mo
Today · 4.125%
HK$32,450
baseline
▲ 0.50% · 4.625%
HK$34,160
+HK$1,710/mo
Deposit HK$6.07M · loan HK$6.07M · min. income ≈ HK$64,900/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$455,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,208
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$34,241
−HK$1,049/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,438
+HK$2,148/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,944
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,934
−HK$1,006/mo
Today · 4.125%
HK$38,940
baseline
▲ 0.50% · 4.625%
HK$40,992
+HK$2,052/mo
Deposit HK$4.85M · loan HK$7.28M · min. income ≈ HK$77,880/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$455,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,743
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,948
−HK$1,224/mo
Today · 4.125%
HK$41,172
baseline
▲ 0.50% · 4.625%
HK$43,677
+HK$2,505/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$82,344/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,101
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,257
−HK$1,172/mo
Today · 4.125%
HK$45,429
baseline
▲ 0.50% · 4.625%
HK$47,824
+HK$2,395/mo
Deposit HK$3.64M · loan HK$8.50M · min. income ≈ HK$90,858/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$455,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,812
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,361
−HK$1,575/mo
Today · 4.125%
HK$52,936
baseline
▲ 0.50% · 4.625%
HK$56,157
+HK$3,221/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$105,872/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,415
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,902
−HK$1,507/mo
Today · 4.125%
HK$58,409
baseline
▲ 0.50% · 4.625%
HK$61,488
+HK$3,079/mo
Deposit HK$1.21M · loan HK$10.92M · min. income ≈ HK$116,818/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$455,103 · Scale 2, in force from 26 Feb 2026)