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$27,557
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,414
−HK$871/mo
Today · 4.125%
HK$29,285
baseline
▲ 0.50% · 4.625%
HK$31,067
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,570/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,656
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,479
−HK$834/mo
Today · 4.125%
HK$32,313
baseline
▲ 0.50% · 4.625%
HK$34,016
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,626/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,068
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,097
−HK$1,045/mo
Today · 4.125%
HK$35,142
baseline
▲ 0.50% · 4.625%
HK$37,280
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,284/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,788
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,774
−HK$1,001/mo
Today · 4.125%
HK$38,775
baseline
▲ 0.50% · 4.625%
HK$40,819
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,550/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,579
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,779
−HK$1,219/mo
Today · 4.125%
HK$40,998
baseline
▲ 0.50% · 4.625%
HK$43,493
+HK$2,495/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$81,996/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,919
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,070
−HK$1,168/mo
Today · 4.125%
HK$45,238
baseline
▲ 0.50% · 4.625%
HK$47,622
+HK$2,384/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,476/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,602
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,145
−HK$1,567/mo
Today · 4.125%
HK$52,712
baseline
▲ 0.50% · 4.625%
HK$55,920
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,424/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,182
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,662
−HK$1,501/mo
Today · 4.125%
HK$58,163
baseline
▲ 0.50% · 4.625%
HK$61,229
+HK$3,066/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,326/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,183 · Scale 2, in force from 26 Feb 2026)