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$27,558
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,415
−HK$871/mo
Today · 4.125%
HK$29,286
baseline
▲ 0.50% · 4.625%
HK$31,068
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,572/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,658
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,480
−HK$834/mo
Today · 4.125%
HK$32,314
baseline
▲ 0.50% · 4.625%
HK$34,018
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,628/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,070
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,098
−HK$1,045/mo
Today · 4.125%
HK$35,143
baseline
▲ 0.50% · 4.625%
HK$37,282
+HK$2,139/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,286/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,790
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,776
−HK$1,001/mo
Today · 4.125%
HK$38,777
baseline
▲ 0.50% · 4.625%
HK$40,821
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,554/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,581
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,220/mo
Today · 4.125%
HK$41,001
baseline
▲ 0.50% · 4.625%
HK$43,495
+HK$2,494/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,002/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,921
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,072
−HK$1,168/mo
Today · 4.125%
HK$45,240
baseline
▲ 0.50% · 4.625%
HK$47,625
+HK$2,385/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,480/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,605
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,147
−HK$1,568/mo
Today · 4.125%
HK$52,715
baseline
▲ 0.50% · 4.625%
HK$55,923
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,430/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,185
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,665
−HK$1,501/mo
Today · 4.125%
HK$58,166
baseline
▲ 0.50% · 4.625%
HK$61,232
+HK$3,066/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,332/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,207 · Scale 2, in force from 26 Feb 2026)