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$27,606
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$872/mo
Today · 4.125%
HK$29,337
baseline
▲ 0.50% · 4.625%
HK$31,122
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,674/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,711
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,535
−HK$836/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,077
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,127
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,158
−HK$1,047/mo
Today · 4.125%
HK$35,205
baseline
▲ 0.50% · 4.625%
HK$37,347
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,410/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,854
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,842
−HK$1,003/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$40,892
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,690/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,648
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,851
−HK$1,221/mo
Today · 4.125%
HK$41,072
baseline
▲ 0.50% · 4.625%
HK$43,571
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,144/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,996
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,149
−HK$1,170/mo
Today · 4.125%
HK$45,319
baseline
▲ 0.50% · 4.625%
HK$47,708
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,638/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,691
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,237
−HK$1,570/mo
Today · 4.125%
HK$52,807
baseline
▲ 0.50% · 4.625%
HK$56,020
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,614/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,281
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,763
−HK$1,504/mo
Today · 4.125%
HK$58,267
baseline
▲ 0.50% · 4.625%
HK$61,339
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,534/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,996 · Scale 2, in force from 26 Feb 2026)