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$27,578
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,436
−HK$872/mo
Today · 4.125%
HK$29,308
baseline
▲ 0.50% · 4.625%
HK$31,091
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,616/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,681
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,503
−HK$835/mo
Today · 4.125%
HK$32,338
baseline
▲ 0.50% · 4.625%
HK$34,043
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,676/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,094
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,123
−HK$1,046/mo
Today · 4.125%
HK$35,169
baseline
▲ 0.50% · 4.625%
HK$37,309
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,338/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,817
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,804
−HK$1,002/mo
Today · 4.125%
HK$38,806
baseline
▲ 0.50% · 4.625%
HK$40,851
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,612/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,610
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,811
−HK$1,220/mo
Today · 4.125%
HK$41,031
baseline
▲ 0.50% · 4.625%
HK$43,527
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,062/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,953
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,105
−HK$1,168/mo
Today · 4.125%
HK$45,273
baseline
▲ 0.50% · 4.625%
HK$47,660
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,546/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,641
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,185
−HK$1,569/mo
Today · 4.125%
HK$52,754
baseline
▲ 0.50% · 4.625%
HK$55,964
+HK$3,210/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,508/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,225
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,706
−HK$1,503/mo
Today · 4.125%
HK$58,209
baseline
▲ 0.50% · 4.625%
HK$61,277
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,418/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,540 · Scale 2, in force from 26 Feb 2026)