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$28,433
−HK$871/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$453,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,677
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,500
−HK$834/mo
Today · 4.125%
HK$32,334
baseline
▲ 0.50% · 4.625%
HK$34,039
+HK$1,705/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$453,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,090
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,119
−HK$1,046/mo
Today · 4.125%
HK$35,165
baseline
▲ 0.50% · 4.625%
HK$37,305
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,330/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,812
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,800
−HK$1,001/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$453,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,605
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,806
−HK$1,220/mo
Today · 4.125%
HK$41,026
baseline
▲ 0.50% · 4.625%
HK$43,522
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,052/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,948
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,099
−HK$1,169/mo
Today · 4.125%
HK$45,268
baseline
▲ 0.50% · 4.625%
HK$47,654
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,536/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,635
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,179
−HK$1,569/mo
Today · 4.125%
HK$52,748
baseline
▲ 0.50% · 4.625%
HK$55,957
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,496/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,218
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,699
−HK$1,503/mo
Today · 4.125%
HK$58,202
baseline
▲ 0.50% · 4.625%
HK$61,270
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,404/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,485 · Scale 2, in force from 26 Feb 2026)