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$27,603
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,462
−HK$872/mo
Today · 4.125%
HK$29,334
baseline
▲ 0.50% · 4.625%
HK$31,119
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,668/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,708
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,532
−HK$835/mo
Today · 4.125%
HK$32,367
baseline
▲ 0.50% · 4.625%
HK$34,073
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,734/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,124
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,154
−HK$1,047/mo
Today · 4.125%
HK$35,201
baseline
▲ 0.50% · 4.625%
HK$37,343
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,402/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,850
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,838
−HK$1,003/mo
Today · 4.125%
HK$38,841
baseline
▲ 0.50% · 4.625%
HK$40,888
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,682/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,644
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,846
−HK$1,222/mo
Today · 4.125%
HK$41,068
baseline
▲ 0.50% · 4.625%
HK$43,566
+HK$2,498/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,136/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,991
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,144
−HK$1,170/mo
Today · 4.125%
HK$45,314
baseline
▲ 0.50% · 4.625%
HK$47,703
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,628/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,685
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,231
−HK$1,570/mo
Today · 4.125%
HK$52,801
baseline
▲ 0.50% · 4.625%
HK$56,014
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,602/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,275
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,757
−HK$1,504/mo
Today · 4.125%
HK$58,261
baseline
▲ 0.50% · 4.625%
HK$61,332
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,522/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,947 · Scale 2, in force from 26 Feb 2026)