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$27,563
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,421
−HK$871/mo
Today · 4.125%
HK$29,292
baseline
▲ 0.50% · 4.625%
HK$31,074
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,584/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,664
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,486
−HK$834/mo
Today · 4.125%
HK$32,320
baseline
▲ 0.50% · 4.625%
HK$34,024
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,640/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,076
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,105
−HK$1,045/mo
Today · 4.125%
HK$35,150
baseline
▲ 0.50% · 4.625%
HK$37,289
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,300/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,797
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,783
−HK$1,002/mo
Today · 4.125%
HK$38,785
baseline
▲ 0.50% · 4.625%
HK$40,829
+HK$2,044/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,570/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,589
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,789
−HK$1,219/mo
Today · 4.125%
HK$41,008
baseline
▲ 0.50% · 4.625%
HK$43,504
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,016/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,929
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,081
−HK$1,168/mo
Today · 4.125%
HK$45,249
baseline
▲ 0.50% · 4.625%
HK$47,634
+HK$2,385/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,498/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,614
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,157
−HK$1,568/mo
Today · 4.125%
HK$52,725
baseline
▲ 0.50% · 4.625%
HK$55,933
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,450/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,195
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,675
−HK$1,502/mo
Today · 4.125%
HK$58,177
baseline
▲ 0.50% · 4.625%
HK$61,243
+HK$3,066/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,354/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,292 · Scale 2, in force from 26 Feb 2026)