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$27,584
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,442
−HK$871/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$31,097
+HK$1,784/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,686
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$31,509
−HK$835/mo
Today · 4.125%
HK$32,344
baseline
▲ 0.50% · 4.625%
HK$34,049
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,688/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,100
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,130
−HK$1,046/mo
Today · 4.125%
HK$35,176
baseline
▲ 0.50% · 4.625%
HK$37,316
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,352/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,824
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,811
−HK$1,002/mo
Today · 4.125%
HK$38,813
baseline
▲ 0.50% · 4.625%
HK$40,859
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,626/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,617
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,818
−HK$1,221/mo
Today · 4.125%
HK$41,039
baseline
▲ 0.50% · 4.625%
HK$43,536
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,078/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,961
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,113
−HK$1,169/mo
Today · 4.125%
HK$45,282
baseline
▲ 0.50% · 4.625%
HK$47,669
+HK$2,387/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,564/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,650
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,195
−HK$1,569/mo
Today · 4.125%
HK$52,764
baseline
▲ 0.50% · 4.625%
HK$55,974
+HK$3,210/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,528/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,235
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,717
−HK$1,503/mo
Today · 4.125%
HK$58,220
baseline
▲ 0.50% · 4.625%
HK$61,289
+HK$3,069/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,440/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,625 · Scale 2, in force from 26 Feb 2026)