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$27,586
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,444
−HK$872/mo
Today · 4.125%
HK$29,316
baseline
▲ 0.50% · 4.625%
HK$31,099
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,632/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,689
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,512
−HK$835/mo
Today · 4.125%
HK$32,347
baseline
▲ 0.50% · 4.625%
HK$34,052
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,694/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,103
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,133
−HK$1,046/mo
Today · 4.125%
HK$35,179
baseline
▲ 0.50% · 4.625%
HK$37,319
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,358/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,827
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,814
−HK$1,002/mo
Today · 4.125%
HK$38,816
baseline
▲ 0.50% · 4.625%
HK$40,862
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,632/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,620
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,821
−HK$1,221/mo
Today · 4.125%
HK$41,042
baseline
▲ 0.50% · 4.625%
HK$43,539
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,084/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,964
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,117
−HK$1,169/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$47,673
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,654
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,199
−HK$1,569/mo
Today · 4.125%
HK$52,768
baseline
▲ 0.50% · 4.625%
HK$55,979
+HK$3,211/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,536/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,240
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,722
−HK$1,502/mo
Today · 4.125%
HK$58,224
baseline
▲ 0.50% · 4.625%
HK$61,294
+HK$3,070/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,448/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,663 · Scale 2, in force from 26 Feb 2026)