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$27,569
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,426
−HK$872/mo
Today · 4.125%
HK$29,298
baseline
▲ 0.50% · 4.625%
HK$31,080
+HK$1,782/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,596/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,670
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$834/mo
Today · 4.125%
HK$32,327
baseline
▲ 0.50% · 4.625%
HK$34,031
+HK$1,704/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,654/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,083
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,112
−HK$1,045/mo
Today · 4.125%
HK$35,157
baseline
▲ 0.50% · 4.625%
HK$37,296
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,314/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,804
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,791
−HK$1,001/mo
Today · 4.125%
HK$38,792
baseline
▲ 0.50% · 4.625%
HK$40,837
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,584/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,596
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,797
−HK$1,220/mo
Today · 4.125%
HK$41,017
baseline
▲ 0.50% · 4.625%
HK$43,512
+HK$2,495/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,034/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,938
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,090
−HK$1,168/mo
Today · 4.125%
HK$45,258
baseline
▲ 0.50% · 4.625%
HK$47,643
+HK$2,385/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,516/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,624
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,167
−HK$1,569/mo
Today · 4.125%
HK$52,736
baseline
▲ 0.50% · 4.625%
HK$55,945
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,472/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,206
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,502/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,256
+HK$3,067/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,384 · Scale 2, in force from 26 Feb 2026)