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$27,565
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,422
−HK$871/mo
Today · 4.125%
HK$29,293
baseline
▲ 0.50% · 4.625%
HK$31,076
+HK$1,783/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,586/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,665
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,488
−HK$834/mo
Today · 4.125%
HK$32,322
baseline
▲ 0.50% · 4.625%
HK$34,026
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,644/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,078
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,107
−HK$1,045/mo
Today · 4.125%
HK$35,152
baseline
▲ 0.50% · 4.625%
HK$37,291
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,304/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,799
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,785
−HK$1,002/mo
Today · 4.125%
HK$38,787
baseline
▲ 0.50% · 4.625%
HK$40,831
+HK$2,044/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,574/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,591
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,791
−HK$1,220/mo
Today · 4.125%
HK$41,011
baseline
▲ 0.50% · 4.625%
HK$43,506
+HK$2,495/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,022/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,932
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,083
−HK$1,168/mo
Today · 4.125%
HK$45,251
baseline
▲ 0.50% · 4.625%
HK$47,636
+HK$2,385/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,502/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,616
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,160
−HK$1,568/mo
Today · 4.125%
HK$52,728
baseline
▲ 0.50% · 4.625%
HK$55,936
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,456/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,198
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,678
−HK$1,502/mo
Today · 4.125%
HK$58,180
baseline
▲ 0.50% · 4.625%
HK$61,247
+HK$3,067/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,360/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,317 · Scale 2, in force from 26 Feb 2026)