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$27,597
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,455
−HK$873/mo
Today · 4.125%
HK$29,328
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,656/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,701
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$835/mo
Today · 4.125%
HK$32,360
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,720/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,116
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,147
−HK$1,046/mo
Today · 4.125%
HK$35,193
baseline
▲ 0.50% · 4.625%
HK$37,335
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,386/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,842
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,830
−HK$1,002/mo
Today · 4.125%
HK$38,832
baseline
▲ 0.50% · 4.625%
HK$40,879
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,664/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,636
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,838
−HK$1,221/mo
Today · 4.125%
HK$41,059
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,498/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,118/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,982
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,135
−HK$1,169/mo
Today · 4.125%
HK$45,304
baseline
▲ 0.50% · 4.625%
HK$47,692
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,608/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,675
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,220
−HK$1,570/mo
Today · 4.125%
HK$52,790
baseline
▲ 0.50% · 4.625%
HK$56,002
+HK$3,212/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,580/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,263
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,745
−HK$1,503/mo
Today · 4.125%
HK$58,248
baseline
▲ 0.50% · 4.625%
HK$61,319
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,496/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,848 · Scale 2, in force from 26 Feb 2026)