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$27,605
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,464
−HK$872/mo
Today · 4.125%
HK$29,336
baseline
▲ 0.50% · 4.625%
HK$31,121
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,672/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,710
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,534
−HK$836/mo
Today · 4.125%
HK$32,370
baseline
▲ 0.50% · 4.625%
HK$34,076
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,740/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,126
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,157
−HK$1,046/mo
Today · 4.125%
HK$35,203
baseline
▲ 0.50% · 4.625%
HK$37,345
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,406/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,852
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,841
−HK$1,002/mo
Today · 4.125%
HK$38,843
baseline
▲ 0.50% · 4.625%
HK$40,891
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,686/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,647
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,849
−HK$1,222/mo
Today · 4.125%
HK$41,071
baseline
▲ 0.50% · 4.625%
HK$43,570
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,142/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,995
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,148
−HK$1,169/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$47,706
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,689
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,235
−HK$1,570/mo
Today · 4.125%
HK$52,805
baseline
▲ 0.50% · 4.625%
HK$56,018
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,610/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,279
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,761
−HK$1,504/mo
Today · 4.125%
HK$58,265
baseline
▲ 0.50% · 4.625%
HK$61,336
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,530/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,980 · Scale 2, in force from 26 Feb 2026)