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$27,607
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,465
−HK$873/mo
Today · 4.125%
HK$29,338
baseline
▲ 0.50% · 4.625%
HK$31,123
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,676/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,712
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,536
−HK$835/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,078
+HK$1,707/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,128
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,158
−HK$1,047/mo
Today · 4.125%
HK$35,205
baseline
▲ 0.50% · 4.625%
HK$37,347
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,410/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,854
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,843
−HK$1,003/mo
Today · 4.125%
HK$38,846
baseline
▲ 0.50% · 4.625%
HK$40,893
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,692/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,649
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,851
−HK$1,222/mo
Today · 4.125%
HK$41,073
baseline
▲ 0.50% · 4.625%
HK$43,572
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,146/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,997
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,150
−HK$1,170/mo
Today · 4.125%
HK$45,320
baseline
▲ 0.50% · 4.625%
HK$47,709
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,640/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,692
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,237
−HK$1,571/mo
Today · 4.125%
HK$52,808
baseline
▲ 0.50% · 4.625%
HK$56,021
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,616/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,282
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,764
−HK$1,504/mo
Today · 4.125%
HK$58,268
baseline
▲ 0.50% · 4.625%
HK$61,340
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,536/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,004 · Scale 2, in force from 26 Feb 2026)