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$27,588
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,446
−HK$872/mo
Today · 4.125%
HK$29,318
baseline
▲ 0.50% · 4.625%
HK$31,102
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,636/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,691
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,514
−HK$835/mo
Today · 4.125%
HK$32,349
baseline
▲ 0.50% · 4.625%
HK$34,054
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,698/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,105
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,135
−HK$1,046/mo
Today · 4.125%
HK$35,181
baseline
▲ 0.50% · 4.625%
HK$37,322
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,362/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,829
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,817
−HK$1,002/mo
Today · 4.125%
HK$38,819
baseline
▲ 0.50% · 4.625%
HK$40,865
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,638/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,623
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,824
−HK$1,221/mo
Today · 4.125%
HK$41,045
baseline
▲ 0.50% · 4.625%
HK$43,542
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,090/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,968
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,120
−HK$1,169/mo
Today · 4.125%
HK$45,289
baseline
▲ 0.50% · 4.625%
HK$47,676
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,578/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,658
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,203
−HK$1,569/mo
Today · 4.125%
HK$52,772
baseline
▲ 0.50% · 4.625%
HK$55,983
+HK$3,211/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,544/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,244
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,726
−HK$1,503/mo
Today · 4.125%
HK$58,229
baseline
▲ 0.50% · 4.625%
HK$61,298
+HK$3,069/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,458/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,696 · Scale 2, in force from 26 Feb 2026)