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$27,566
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,423
−HK$871/mo
Today · 4.125%
HK$29,294
baseline
▲ 0.50% · 4.625%
HK$31,077
+HK$1,783/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,588/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,666
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,489
−HK$834/mo
Today · 4.125%
HK$32,323
baseline
▲ 0.50% · 4.625%
HK$34,027
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,646/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,079
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,108
−HK$1,045/mo
Today · 4.125%
HK$35,153
baseline
▲ 0.50% · 4.625%
HK$37,292
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,306/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,800
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,787
−HK$1,001/mo
Today · 4.125%
HK$38,788
baseline
▲ 0.50% · 4.625%
HK$40,832
+HK$2,044/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,576/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,592
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,792
−HK$1,220/mo
Today · 4.125%
HK$41,012
baseline
▲ 0.50% · 4.625%
HK$43,507
+HK$2,495/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,024/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,933
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,084
−HK$1,169/mo
Today · 4.125%
HK$45,253
baseline
▲ 0.50% · 4.625%
HK$47,638
+HK$2,385/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,506/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,618
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,161
−HK$1,569/mo
Today · 4.125%
HK$52,730
baseline
▲ 0.50% · 4.625%
HK$55,938
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,460/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,200
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,680
−HK$1,502/mo
Today · 4.125%
HK$58,182
baseline
▲ 0.50% · 4.625%
HK$61,249
+HK$3,067/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,364/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,330 · Scale 2, in force from 26 Feb 2026)