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$27,560
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,417
−HK$871/mo
Today · 4.125%
HK$29,288
baseline
▲ 0.50% · 4.625%
HK$31,070
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,576/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,660
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,482
−HK$834/mo
Today · 4.125%
HK$32,316
baseline
▲ 0.50% · 4.625%
HK$34,020
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,632/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,072
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,100
−HK$1,046/mo
Today · 4.125%
HK$35,146
baseline
▲ 0.50% · 4.625%
HK$37,284
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,292/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,792
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,779
−HK$1,001/mo
Today · 4.125%
HK$38,780
baseline
▲ 0.50% · 4.625%
HK$40,824
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,560/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,584
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,784
−HK$1,219/mo
Today · 4.125%
HK$41,003
baseline
▲ 0.50% · 4.625%
HK$43,498
+HK$2,495/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,006/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,924
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,075
−HK$1,168/mo
Today · 4.125%
HK$45,243
baseline
▲ 0.50% · 4.625%
HK$47,628
+HK$2,385/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,486/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,608
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,151
−HK$1,567/mo
Today · 4.125%
HK$52,718
baseline
▲ 0.50% · 4.625%
HK$55,926
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,436/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,188
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,668
−HK$1,502/mo
Today · 4.125%
HK$58,170
baseline
▲ 0.50% · 4.625%
HK$61,236
+HK$3,066/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,340/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,236 · Scale 2, in force from 26 Feb 2026)