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$27,586
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,444
−HK$872/mo
Today · 4.125%
HK$29,316
baseline
▲ 0.50% · 4.625%
HK$31,100
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,632/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,690
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,513
−HK$835/mo
Today · 4.125%
HK$32,348
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,696/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,104
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,133
−HK$1,047/mo
Today · 4.125%
HK$35,180
baseline
▲ 0.50% · 4.625%
HK$37,320
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,360/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,828
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,815
−HK$1,002/mo
Today · 4.125%
HK$38,817
baseline
▲ 0.50% · 4.625%
HK$40,863
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,634/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,621
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,822
−HK$1,221/mo
Today · 4.125%
HK$41,043
baseline
▲ 0.50% · 4.625%
HK$43,540
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,086/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,965
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,118
−HK$1,169/mo
Today · 4.125%
HK$45,287
baseline
▲ 0.50% · 4.625%
HK$47,674
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,574/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,656
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,200
−HK$1,569/mo
Today · 4.125%
HK$52,769
baseline
▲ 0.50% · 4.625%
HK$55,980
+HK$3,211/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,538/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,241
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,723
−HK$1,503/mo
Today · 4.125%
HK$58,226
baseline
▲ 0.50% · 4.625%
HK$61,295
+HK$3,069/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,452/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,673 · Scale 2, in force from 26 Feb 2026)