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$27,607
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,466
−HK$872/mo
Today · 4.125%
HK$29,338
baseline
▲ 0.50% · 4.625%
HK$31,123
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,676/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,712
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,536
−HK$836/mo
Today · 4.125%
HK$32,372
baseline
▲ 0.50% · 4.625%
HK$34,078
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,744/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$454,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,128
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,159
−HK$1,047/mo
Today · 4.125%
HK$35,206
baseline
▲ 0.50% · 4.625%
HK$37,348
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,412/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,855
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,843
−HK$1,003/mo
Today · 4.125%
HK$38,846
baseline
▲ 0.50% · 4.625%
HK$40,894
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,692/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$454,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,650
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,852
−HK$1,221/mo
Today · 4.125%
HK$41,073
baseline
▲ 0.50% · 4.625%
HK$43,572
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,146/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,997
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,150
−HK$1,170/mo
Today · 4.125%
HK$45,320
baseline
▲ 0.50% · 4.625%
HK$47,709
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,640/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$454,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,692
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,238
−HK$1,570/mo
Today · 4.125%
HK$52,808
baseline
▲ 0.50% · 4.625%
HK$56,022
+HK$3,214/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,616/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,282
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,765
−HK$1,504/mo
Today · 4.125%
HK$58,269
baseline
▲ 0.50% · 4.625%
HK$61,340
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,538/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$454,009 · Scale 2, in force from 26 Feb 2026)