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$27,591
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,449
−HK$872/mo
Today · 4.125%
HK$29,321
baseline
▲ 0.50% · 4.625%
HK$31,106
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,642/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,695
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$835/mo
Today · 4.125%
HK$32,353
baseline
▲ 0.50% · 4.625%
HK$34,059
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,706/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,109
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,139
−HK$1,047/mo
Today · 4.125%
HK$35,186
baseline
▲ 0.50% · 4.625%
HK$37,327
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,372/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,834
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,822
−HK$1,002/mo
Today · 4.125%
HK$38,824
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,648/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,628
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,221/mo
Today · 4.125%
HK$41,050
baseline
▲ 0.50% · 4.625%
HK$43,548
+HK$2,498/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,100/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,973
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,125
−HK$1,170/mo
Today · 4.125%
HK$45,295
baseline
▲ 0.50% · 4.625%
HK$47,682
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,590/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,664
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,209
−HK$1,569/mo
Today · 4.125%
HK$52,778
baseline
▲ 0.50% · 4.625%
HK$55,990
+HK$3,212/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,556/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,251
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,733
−HK$1,503/mo
Today · 4.125%
HK$58,236
baseline
▲ 0.50% · 4.625%
HK$61,306
+HK$3,070/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,472/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,752 · Scale 2, in force from 26 Feb 2026)