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$27,608
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,467
−HK$873/mo
Today · 4.125%
HK$29,340
baseline
▲ 0.50% · 4.625%
HK$31,125
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,680/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,714
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,538
−HK$835/mo
Today · 4.125%
HK$32,373
baseline
▲ 0.50% · 4.625%
HK$34,080
+HK$1,707/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,746/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,130
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,160
−HK$1,047/mo
Today · 4.125%
HK$35,207
baseline
▲ 0.50% · 4.625%
HK$37,350
+HK$2,143/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,414/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,857
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,845
−HK$1,003/mo
Today · 4.125%
HK$38,848
baseline
▲ 0.50% · 4.625%
HK$40,896
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,696/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,652
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,854
−HK$1,221/mo
Today · 4.125%
HK$41,075
baseline
▲ 0.50% · 4.625%
HK$43,575
+HK$2,500/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$82,150/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,000
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,153
−HK$1,170/mo
Today · 4.125%
HK$45,323
baseline
▲ 0.50% · 4.625%
HK$47,712
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.48M · min. income ≈ HK$90,646/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,695
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,241
−HK$1,570/mo
Today · 4.125%
HK$52,811
baseline
▲ 0.50% · 4.625%
HK$56,025
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,622/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,285
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,768
−HK$1,504/mo
Today · 4.125%
HK$58,272
baseline
▲ 0.50% · 4.625%
HK$61,344
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,544/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,033 · Scale 2, in force from 26 Feb 2026)