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$27,580
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,438
−HK$871/mo
Today · 4.125%
HK$29,309
baseline
▲ 0.50% · 4.625%
HK$31,093
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,618/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,682
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,505
−HK$835/mo
Today · 4.125%
HK$32,340
baseline
▲ 0.50% · 4.625%
HK$34,045
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,680/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,096
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,125
−HK$1,046/mo
Today · 4.125%
HK$35,171
baseline
▲ 0.50% · 4.625%
HK$37,311
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,342/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,819
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,806
−HK$1,002/mo
Today · 4.125%
HK$38,808
baseline
▲ 0.50% · 4.625%
HK$40,853
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,616/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,612
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,813
−HK$1,220/mo
Today · 4.125%
HK$41,033
baseline
▲ 0.50% · 4.625%
HK$43,530
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,066/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,955
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,107
−HK$1,169/mo
Today · 4.125%
HK$45,276
baseline
▲ 0.50% · 4.625%
HK$47,662
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,552/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,644
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,188
−HK$1,569/mo
Today · 4.125%
HK$52,757
baseline
▲ 0.50% · 4.625%
HK$55,967
+HK$3,210/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,514/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,228
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,709
−HK$1,503/mo
Today · 4.125%
HK$58,212
baseline
▲ 0.50% · 4.625%
HK$61,280
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,424/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,564 · Scale 2, in force from 26 Feb 2026)