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$27,602
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,461
−HK$872/mo
Today · 4.125%
HK$29,333
baseline
▲ 0.50% · 4.625%
HK$31,118
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,666/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,707
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,531
−HK$835/mo
Today · 4.125%
HK$32,366
baseline
▲ 0.50% · 4.625%
HK$34,072
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,732/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,123
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,153
−HK$1,047/mo
Today · 4.125%
HK$35,200
baseline
▲ 0.50% · 4.625%
HK$37,341
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,400/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,848
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,837
−HK$1,002/mo
Today · 4.125%
HK$38,839
baseline
▲ 0.50% · 4.625%
HK$40,887
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,678/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,643
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,845
−HK$1,221/mo
Today · 4.125%
HK$41,066
baseline
▲ 0.50% · 4.625%
HK$43,565
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,132/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,990
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,143
−HK$1,169/mo
Today · 4.125%
HK$45,312
baseline
▲ 0.50% · 4.625%
HK$47,701
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,624/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,684
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,229
−HK$1,570/mo
Today · 4.125%
HK$52,799
baseline
▲ 0.50% · 4.625%
HK$56,012
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,598/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,273
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,755
−HK$1,504/mo
Today · 4.125%
HK$58,259
baseline
▲ 0.50% · 4.625%
HK$61,330
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,518/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,931 · Scale 2, in force from 26 Feb 2026)