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$27,590
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,448
−HK$872/mo
Today · 4.125%
HK$29,320
baseline
▲ 0.50% · 4.625%
HK$31,104
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,640/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,693
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,516
−HK$836/mo
Today · 4.125%
HK$32,352
baseline
▲ 0.50% · 4.625%
HK$34,057
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,704/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,108
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,138
−HK$1,046/mo
Today · 4.125%
HK$35,184
baseline
▲ 0.50% · 4.625%
HK$37,325
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,368/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,832
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,820
−HK$1,002/mo
Today · 4.125%
HK$38,822
baseline
▲ 0.50% · 4.625%
HK$40,868
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,644/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,626
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,827
−HK$1,221/mo
Today · 4.125%
HK$41,048
baseline
▲ 0.50% · 4.625%
HK$43,545
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,096/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,971
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,123
−HK$1,169/mo
Today · 4.125%
HK$45,292
baseline
▲ 0.50% · 4.625%
HK$47,680
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,584/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,662
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,206
−HK$1,570/mo
Today · 4.125%
HK$52,776
baseline
▲ 0.50% · 4.625%
HK$55,987
+HK$3,211/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,552/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,248
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,730
−HK$1,503/mo
Today · 4.125%
HK$58,233
baseline
▲ 0.50% · 4.625%
HK$61,302
+HK$3,069/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,466/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,728 · Scale 2, in force from 26 Feb 2026)