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$27,567
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,424
−HK$872/mo
Today · 4.125%
HK$29,296
baseline
▲ 0.50% · 4.625%
HK$31,078
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,592/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,668
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,491
−HK$834/mo
Today · 4.125%
HK$32,325
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,650/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,080
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,109
−HK$1,046/mo
Today · 4.125%
HK$35,155
baseline
▲ 0.50% · 4.625%
HK$37,294
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,310/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,802
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,789
−HK$1,001/mo
Today · 4.125%
HK$38,790
baseline
▲ 0.50% · 4.625%
HK$40,835
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,580/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,594
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,794
−HK$1,220/mo
Today · 4.125%
HK$41,014
baseline
▲ 0.50% · 4.625%
HK$43,510
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,028/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,935
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,087
−HK$1,168/mo
Today · 4.125%
HK$45,255
baseline
▲ 0.50% · 4.625%
HK$47,640
+HK$2,385/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,510/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,621
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,164
−HK$1,568/mo
Today · 4.125%
HK$52,732
baseline
▲ 0.50% · 4.625%
HK$55,941
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,464/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,202
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,683
−HK$1,502/mo
Today · 4.125%
HK$58,185
baseline
▲ 0.50% · 4.625%
HK$61,252
+HK$3,067/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,370/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,354 · Scale 2, in force from 26 Feb 2026)