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$27,575
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,432
−HK$872/mo
Today · 4.125%
HK$29,304
baseline
▲ 0.50% · 4.625%
HK$31,087
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,608/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,676
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,499
−HK$835/mo
Today · 4.125%
HK$32,334
baseline
▲ 0.50% · 4.625%
HK$34,038
+HK$1,704/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,668/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,089
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,119
−HK$1,045/mo
Today · 4.125%
HK$35,164
baseline
▲ 0.50% · 4.625%
HK$37,304
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,328/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,812
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,799
−HK$1,002/mo
Today · 4.125%
HK$38,801
baseline
▲ 0.50% · 4.625%
HK$40,846
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,602/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,604
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,805
−HK$1,220/mo
Today · 4.125%
HK$41,025
baseline
▲ 0.50% · 4.625%
HK$43,521
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,050/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,947
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,099
−HK$1,168/mo
Today · 4.125%
HK$45,267
baseline
▲ 0.50% · 4.625%
HK$47,653
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,534/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,634
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,178
−HK$1,569/mo
Today · 4.125%
HK$52,747
baseline
▲ 0.50% · 4.625%
HK$55,956
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,494/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,218
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,698
−HK$1,503/mo
Today · 4.125%
HK$58,201
baseline
▲ 0.50% · 4.625%
HK$61,269
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,402/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,478 · Scale 2, in force from 26 Feb 2026)