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$27,576
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,433
−HK$872/mo
Today · 4.125%
HK$29,305
baseline
▲ 0.50% · 4.625%
HK$31,088
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,610/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,678
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,500
−HK$835/mo
Today · 4.125%
HK$32,335
baseline
▲ 0.50% · 4.625%
HK$34,039
+HK$1,704/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,670/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,091
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,120
−HK$1,046/mo
Today · 4.125%
HK$35,166
baseline
▲ 0.50% · 4.625%
HK$37,305
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,332/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,813
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,800
−HK$1,002/mo
Today · 4.125%
HK$38,802
baseline
▲ 0.50% · 4.625%
HK$40,847
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,604/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,606
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,807
−HK$1,220/mo
Today · 4.125%
HK$41,027
baseline
▲ 0.50% · 4.625%
HK$43,523
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,054/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,949
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,100
−HK$1,169/mo
Today · 4.125%
HK$45,269
baseline
▲ 0.50% · 4.625%
HK$47,655
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,538/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,636
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,180
−HK$1,569/mo
Today · 4.125%
HK$52,749
baseline
▲ 0.50% · 4.625%
HK$55,958
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,498/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,220
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,700
−HK$1,503/mo
Today · 4.125%
HK$58,203
baseline
▲ 0.50% · 4.625%
HK$61,271
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,406/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,494 · Scale 2, in force from 26 Feb 2026)