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$27,577
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,435
−HK$871/mo
Today · 4.125%
HK$29,306
baseline
▲ 0.50% · 4.625%
HK$31,090
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,612/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,679
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,502
−HK$835/mo
Today · 4.125%
HK$32,337
baseline
▲ 0.50% · 4.625%
HK$34,041
+HK$1,704/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,674/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,093
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,122
−HK$1,046/mo
Today · 4.125%
HK$35,168
baseline
▲ 0.50% · 4.625%
HK$37,308
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,336/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,815
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,002/mo
Today · 4.125%
HK$38,804
baseline
▲ 0.50% · 4.625%
HK$40,850
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,608/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,608
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,809
−HK$1,220/mo
Today · 4.125%
HK$41,029
baseline
▲ 0.50% · 4.625%
HK$43,526
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,058/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,951
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,103
−HK$1,168/mo
Today · 4.125%
HK$45,271
baseline
▲ 0.50% · 4.625%
HK$47,658
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,542/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,639
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,183
−HK$1,569/mo
Today · 4.125%
HK$52,752
baseline
▲ 0.50% · 4.625%
HK$55,961
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,504/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,223
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,704
−HK$1,502/mo
Today · 4.125%
HK$58,206
baseline
▲ 0.50% · 4.625%
HK$61,274
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,412/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,520 · Scale 2, in force from 26 Feb 2026)