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$31,105
+HK$1,784/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$453,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,694
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$835/mo
Today · 4.125%
HK$32,353
baseline
▲ 0.50% · 4.625%
HK$34,058
+HK$1,705/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$453,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,109
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,139
−HK$1,046/mo
Today · 4.125%
HK$35,185
baseline
▲ 0.50% · 4.625%
HK$37,326
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,370/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,833
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,821
−HK$1,002/mo
Today · 4.125%
HK$38,823
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,646/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,627
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,829
−HK$1,220/mo
Today · 4.125%
HK$41,049
baseline
▲ 0.50% · 4.625%
HK$43,547
+HK$2,498/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,098/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,972
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,125
−HK$1,169/mo
Today · 4.125%
HK$45,294
baseline
▲ 0.50% · 4.625%
HK$47,681
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,588/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,663
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,208
−HK$1,570/mo
Today · 4.125%
HK$52,778
baseline
▲ 0.50% · 4.625%
HK$55,989
+HK$3,211/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$453,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,250
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,732
−HK$1,503/mo
Today · 4.125%
HK$58,235
baseline
▲ 0.50% · 4.625%
HK$61,305
+HK$3,070/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,470/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,745 · Scale 2, in force from 26 Feb 2026)