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$27,624
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,483
−HK$873/mo
Today · 4.125%
HK$29,356
baseline
▲ 0.50% · 4.625%
HK$31,142
+HK$1,786/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$58,712/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,731
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,555
−HK$836/mo
Today · 4.125%
HK$32,391
baseline
▲ 0.50% · 4.625%
HK$34,099
+HK$1,708/mo
Deposit HK$6.06M · loan HK$6.06M · min. income ≈ HK$64,782/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,148
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$34,180
−HK$1,047/mo
Today · 4.125%
HK$35,227
baseline
▲ 0.50% · 4.625%
HK$37,371
+HK$2,144/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$70,454/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,877
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,866
−HK$1,004/mo
Today · 4.125%
HK$38,870
baseline
▲ 0.50% · 4.625%
HK$40,919
+HK$2,049/mo
Deposit HK$4.85M · loan HK$7.27M · min. income ≈ HK$77,740/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,673
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,876
−HK$1,222/mo
Today · 4.125%
HK$41,098
baseline
▲ 0.50% · 4.625%
HK$43,599
+HK$2,501/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,196/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,024
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,177
−HK$1,171/mo
Today · 4.125%
HK$45,348
baseline
▲ 0.50% · 4.625%
HK$47,738
+HK$2,390/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,696/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,723
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,269
−HK$1,572/mo
Today · 4.125%
HK$52,841
baseline
▲ 0.50% · 4.625%
HK$56,056
+HK$3,215/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,682/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,316
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,800
−HK$1,505/mo
Today · 4.125%
HK$58,305
baseline
▲ 0.50% · 4.625%
HK$61,378
+HK$3,073/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,610/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$454,287 · Scale 2, in force from 26 Feb 2026)