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$27,588
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,446
−HK$872/mo
Today · 4.125%
HK$29,318
baseline
▲ 0.50% · 4.625%
HK$31,102
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,636/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,691
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,515
−HK$835/mo
Today · 4.125%
HK$32,350
baseline
▲ 0.50% · 4.625%
HK$34,055
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,700/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,106
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,135
−HK$1,047/mo
Today · 4.125%
HK$35,182
baseline
▲ 0.50% · 4.625%
HK$37,322
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,364/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,830
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,818
−HK$1,002/mo
Today · 4.125%
HK$38,820
baseline
▲ 0.50% · 4.625%
HK$40,866
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,640/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,623
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,825
−HK$1,220/mo
Today · 4.125%
HK$41,045
baseline
▲ 0.50% · 4.625%
HK$43,543
+HK$2,498/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,090/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,968
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,120
−HK$1,169/mo
Today · 4.125%
HK$45,289
baseline
▲ 0.50% · 4.625%
HK$47,677
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,578/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,659
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,203
−HK$1,570/mo
Today · 4.125%
HK$52,773
baseline
▲ 0.50% · 4.625%
HK$55,984
+HK$3,211/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,546/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,245
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,726
−HK$1,503/mo
Today · 4.125%
HK$58,229
baseline
▲ 0.50% · 4.625%
HK$61,299
+HK$3,070/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,458/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,701 · Scale 2, in force from 26 Feb 2026)