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$27,572
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,429
−HK$872/mo
Today · 4.125%
HK$29,301
baseline
▲ 0.50% · 4.625%
HK$31,083
+HK$1,782/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,602/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,673
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,496
−HK$834/mo
Today · 4.125%
HK$32,330
baseline
▲ 0.50% · 4.625%
HK$34,034
+HK$1,704/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,660/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,086
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,115
−HK$1,046/mo
Today · 4.125%
HK$35,161
baseline
▲ 0.50% · 4.625%
HK$37,300
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,322/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,808
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,795
−HK$1,001/mo
Today · 4.125%
HK$38,796
baseline
▲ 0.50% · 4.625%
HK$40,841
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,592/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,600
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,801
−HK$1,220/mo
Today · 4.125%
HK$41,021
baseline
▲ 0.50% · 4.625%
HK$43,517
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,042/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,942
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,094
−HK$1,168/mo
Today · 4.125%
HK$45,262
baseline
▲ 0.50% · 4.625%
HK$47,648
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,524/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,629
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,568/mo
Today · 4.125%
HK$52,741
baseline
▲ 0.50% · 4.625%
HK$55,950
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,482/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,212
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,692
−HK$1,502/mo
Today · 4.125%
HK$58,194
baseline
▲ 0.50% · 4.625%
HK$61,262
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,388/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,429 · Scale 2, in force from 26 Feb 2026)