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$27,604
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,462
−HK$873/mo
Today · 4.125%
HK$29,335
baseline
▲ 0.50% · 4.625%
HK$31,119
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,670/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,709
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,532
−HK$836/mo
Today · 4.125%
HK$32,368
baseline
▲ 0.50% · 4.625%
HK$34,074
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,736/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,124
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$1,046/mo
Today · 4.125%
HK$35,201
baseline
▲ 0.50% · 4.625%
HK$37,343
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,402/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,850
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,839
−HK$1,002/mo
Today · 4.125%
HK$38,841
baseline
▲ 0.50% · 4.625%
HK$40,889
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,682/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,645
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,847
−HK$1,221/mo
Today · 4.125%
HK$41,068
baseline
▲ 0.50% · 4.625%
HK$43,567
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,136/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,992
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,145
−HK$1,170/mo
Today · 4.125%
HK$45,315
baseline
▲ 0.50% · 4.625%
HK$47,703
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,630/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,686
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,232
−HK$1,570/mo
Today · 4.125%
HK$52,802
baseline
▲ 0.50% · 4.625%
HK$56,015
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,604/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,276
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,758
−HK$1,504/mo
Today · 4.125%
HK$58,262
baseline
▲ 0.50% · 4.625%
HK$61,333
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,524/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,955 · Scale 2, in force from 26 Feb 2026)