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$27,579
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,437
−HK$872/mo
Today · 4.125%
HK$29,309
baseline
▲ 0.50% · 4.625%
HK$31,092
+HK$1,783/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,618/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,682
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,504
−HK$835/mo
Today · 4.125%
HK$32,339
baseline
▲ 0.50% · 4.625%
HK$34,044
+HK$1,705/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,678/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,095
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,125
−HK$1,045/mo
Today · 4.125%
HK$35,170
baseline
▲ 0.50% · 4.625%
HK$37,310
+HK$2,140/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,340/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,818
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,805
−HK$1,002/mo
Today · 4.125%
HK$38,807
baseline
▲ 0.50% · 4.625%
HK$40,853
+HK$2,046/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,614/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,611
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,812
−HK$1,220/mo
Today · 4.125%
HK$41,032
baseline
▲ 0.50% · 4.625%
HK$43,529
+HK$2,497/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,064/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,954
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,106
−HK$1,169/mo
Today · 4.125%
HK$45,275
baseline
▲ 0.50% · 4.625%
HK$47,661
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,550/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,643
−HK$3,113/mo
▼ 0.25% · 3.875%
HK$51,187
−HK$1,569/mo
Today · 4.125%
HK$52,756
baseline
▲ 0.50% · 4.625%
HK$55,966
+HK$3,210/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,512/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,227
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$56,708
−HK$1,503/mo
Today · 4.125%
HK$58,211
baseline
▲ 0.50% · 4.625%
HK$61,279
+HK$3,068/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,422/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,555 · Scale 2, in force from 26 Feb 2026)