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$27,604
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$872/mo
Today · 4.125%
HK$29,335
baseline
▲ 0.50% · 4.625%
HK$31,120
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,670/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,709
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,533
−HK$835/mo
Today · 4.125%
HK$32,368
baseline
▲ 0.50% · 4.625%
HK$34,075
+HK$1,707/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,736/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,125
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$1,047/mo
Today · 4.125%
HK$35,202
baseline
▲ 0.50% · 4.625%
HK$37,344
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,404/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,851
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,839
−HK$1,003/mo
Today · 4.125%
HK$38,842
baseline
▲ 0.50% · 4.625%
HK$40,889
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,684/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,646
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,848
−HK$1,221/mo
Today · 4.125%
HK$41,069
baseline
▲ 0.50% · 4.625%
HK$43,568
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,138/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,993
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,146
−HK$1,170/mo
Today · 4.125%
HK$45,316
baseline
▲ 0.50% · 4.625%
HK$47,704
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,632/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,687
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,233
−HK$1,570/mo
Today · 4.125%
HK$52,803
baseline
▲ 0.50% · 4.625%
HK$56,016
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,606/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,277
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,759
−HK$1,504/mo
Today · 4.125%
HK$58,263
baseline
▲ 0.50% · 4.625%
HK$61,334
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,526/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,964 · Scale 2, in force from 26 Feb 2026)