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$27,581
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,439
−HK$872/mo
Today · 4.125%
HK$29,311
baseline
▲ 0.50% · 4.625%
HK$31,094
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,622/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,684
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,507
−HK$834/mo
Today · 4.125%
HK$32,341
baseline
▲ 0.50% · 4.625%
HK$34,046
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,682/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,097
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,127
−HK$1,046/mo
Today · 4.125%
HK$35,173
baseline
▲ 0.50% · 4.625%
HK$37,313
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,346/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,820
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,808
−HK$1,002/mo
Today · 4.125%
HK$38,810
baseline
▲ 0.50% · 4.625%
HK$40,855
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,620/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,614
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,815
−HK$1,220/mo
Today · 4.125%
HK$41,035
baseline
▲ 0.50% · 4.625%
HK$43,532
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,070/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,957
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,109
−HK$1,169/mo
Today · 4.125%
HK$45,278
baseline
▲ 0.50% · 4.625%
HK$47,665
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,556/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,646
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,190
−HK$1,569/mo
Today · 4.125%
HK$52,759
baseline
▲ 0.50% · 4.625%
HK$55,969
+HK$3,210/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,518/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,231
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,712
−HK$1,503/mo
Today · 4.125%
HK$58,215
baseline
▲ 0.50% · 4.625%
HK$61,283
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,430/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,586 · Scale 2, in force from 26 Feb 2026)