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$27,560
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,418
−HK$871/mo
Today · 4.125%
HK$29,289
baseline
▲ 0.50% · 4.625%
HK$31,071
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,578/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,661
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,483
−HK$834/mo
Today · 4.125%
HK$32,317
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,634/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,073
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,101
−HK$1,046/mo
Today · 4.125%
HK$35,147
baseline
▲ 0.50% · 4.625%
HK$37,285
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,294/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,793
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,780
−HK$1,001/mo
Today · 4.125%
HK$38,781
baseline
▲ 0.50% · 4.625%
HK$40,825
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,562/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,585
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,785
−HK$1,219/mo
Today · 4.125%
HK$41,004
baseline
▲ 0.50% · 4.625%
HK$43,499
+HK$2,495/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,008/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,925
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,076
−HK$1,168/mo
Today · 4.125%
HK$45,244
baseline
▲ 0.50% · 4.625%
HK$47,629
+HK$2,385/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,488/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,609
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,152
−HK$1,568/mo
Today · 4.125%
HK$52,720
baseline
▲ 0.50% · 4.625%
HK$55,928
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,440/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,189
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,670
−HK$1,501/mo
Today · 4.125%
HK$58,171
baseline
▲ 0.50% · 4.625%
HK$61,237
+HK$3,066/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,342/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,247 · Scale 2, in force from 26 Feb 2026)