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$27,569
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,427
−HK$871/mo
Today · 4.125%
HK$29,298
baseline
▲ 0.50% · 4.625%
HK$31,081
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,596/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,670
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$834/mo
Today · 4.125%
HK$32,327
baseline
▲ 0.50% · 4.625%
HK$34,031
+HK$1,704/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,654/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,083
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,112
−HK$1,046/mo
Today · 4.125%
HK$35,158
baseline
▲ 0.50% · 4.625%
HK$37,297
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,316/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,804
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,792
−HK$1,001/mo
Today · 4.125%
HK$38,793
baseline
▲ 0.50% · 4.625%
HK$40,838
+HK$2,045/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,586/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,597
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,797
−HK$1,220/mo
Today · 4.125%
HK$41,017
baseline
▲ 0.50% · 4.625%
HK$43,513
+HK$2,496/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,034/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,939
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,090
−HK$1,168/mo
Today · 4.125%
HK$45,258
baseline
▲ 0.50% · 4.625%
HK$47,644
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,516/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,624
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,168
−HK$1,568/mo
Today · 4.125%
HK$52,736
baseline
▲ 0.50% · 4.625%
HK$55,945
+HK$3,209/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,472/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,207
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,502/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,257
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,389 · Scale 2, in force from 26 Feb 2026)