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$27,573
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,431
−HK$871/mo
Today · 4.125%
HK$29,302
baseline
▲ 0.50% · 4.625%
HK$31,085
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,604/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,675
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,498
−HK$834/mo
Today · 4.125%
HK$32,332
baseline
▲ 0.50% · 4.625%
HK$34,037
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,664/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,117
−HK$1,046/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,302
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,810
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,797
−HK$1,002/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$40,844
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,603
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,803
−HK$1,220/mo
Today · 4.125%
HK$41,023
baseline
▲ 0.50% · 4.625%
HK$43,520
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,046/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,945
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,097
−HK$1,168/mo
Today · 4.125%
HK$45,265
baseline
▲ 0.50% · 4.625%
HK$47,651
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,530/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,632
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,176
−HK$1,568/mo
Today · 4.125%
HK$52,744
baseline
▲ 0.50% · 4.625%
HK$55,954
+HK$3,210/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,488/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,215
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,696
−HK$1,502/mo
Today · 4.125%
HK$58,198
baseline
▲ 0.50% · 4.625%
HK$61,266
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,396/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,458 · Scale 2, in force from 26 Feb 2026)