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$27,568
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,425
−HK$871/mo
Today · 4.125%
HK$29,296
baseline
▲ 0.50% · 4.625%
HK$31,079
+HK$1,783/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,592/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,669
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,491
−HK$835/mo
Today · 4.125%
HK$32,326
baseline
▲ 0.50% · 4.625%
HK$34,030
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,652/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,081
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,110
−HK$1,046/mo
Today · 4.125%
HK$35,156
baseline
▲ 0.50% · 4.625%
HK$37,295
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,312/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,803
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,790
−HK$1,001/mo
Today · 4.125%
HK$38,791
baseline
▲ 0.50% · 4.625%
HK$40,836
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,582/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,595
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,795
−HK$1,220/mo
Today · 4.125%
HK$41,015
baseline
▲ 0.50% · 4.625%
HK$43,511
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,030/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,936
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,088
−HK$1,168/mo
Today · 4.125%
HK$45,256
baseline
▲ 0.50% · 4.625%
HK$47,642
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,512/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,622
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,165
−HK$1,569/mo
Today · 4.125%
HK$52,734
baseline
▲ 0.50% · 4.625%
HK$55,942
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,468/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,204
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,684
−HK$1,502/mo
Today · 4.125%
HK$58,186
baseline
▲ 0.50% · 4.625%
HK$61,253
+HK$3,067/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,372/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,365 · Scale 2, in force from 26 Feb 2026)