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$27,587
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,445
−HK$872/mo
Today · 4.125%
HK$29,317
baseline
▲ 0.50% · 4.625%
HK$31,101
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,634/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,690
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,513
−HK$835/mo
Today · 4.125%
HK$32,348
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,696/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,104
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,134
−HK$1,046/mo
Today · 4.125%
HK$35,180
baseline
▲ 0.50% · 4.625%
HK$37,321
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,360/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,828
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,816
−HK$1,002/mo
Today · 4.125%
HK$38,818
baseline
▲ 0.50% · 4.625%
HK$40,864
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,636/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,622
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,823
−HK$1,220/mo
Today · 4.125%
HK$41,043
baseline
▲ 0.50% · 4.625%
HK$43,541
+HK$2,498/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,086/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,966
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,118
−HK$1,169/mo
Today · 4.125%
HK$45,287
baseline
▲ 0.50% · 4.625%
HK$47,675
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,574/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,656
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,201
−HK$1,569/mo
Today · 4.125%
HK$52,770
baseline
▲ 0.50% · 4.625%
HK$55,981
+HK$3,211/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,540/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,242
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,724
−HK$1,503/mo
Today · 4.125%
HK$58,227
baseline
▲ 0.50% · 4.625%
HK$61,296
+HK$3,069/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,454/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,680 · Scale 2, in force from 26 Feb 2026)