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$27,563
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,420
−HK$871/mo
Today · 4.125%
HK$29,291
baseline
▲ 0.50% · 4.625%
HK$31,073
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,582/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,663
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,485
−HK$835/mo
Today · 4.125%
HK$32,320
baseline
▲ 0.50% · 4.625%
HK$34,023
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,640/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,075
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$1,045/mo
Today · 4.125%
HK$35,149
baseline
▲ 0.50% · 4.625%
HK$37,288
+HK$2,139/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,298/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,796
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,783
−HK$1,001/mo
Today · 4.125%
HK$38,784
baseline
▲ 0.50% · 4.625%
HK$40,828
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,568/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,588
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,788
−HK$1,219/mo
Today · 4.125%
HK$41,007
baseline
▲ 0.50% · 4.625%
HK$43,503
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,014/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,928
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,080
−HK$1,168/mo
Today · 4.125%
HK$45,248
baseline
▲ 0.50% · 4.625%
HK$47,633
+HK$2,385/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,496/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,613
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,156
−HK$1,568/mo
Today · 4.125%
HK$52,724
baseline
▲ 0.50% · 4.625%
HK$55,932
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,448/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,194
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,674
−HK$1,501/mo
Today · 4.125%
HK$58,175
baseline
▲ 0.50% · 4.625%
HK$61,242
+HK$3,067/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,350/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,281 · Scale 2, in force from 26 Feb 2026)