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$27,605
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$28,463
−HK$873/mo
Today · 4.125%
HK$29,336
baseline
▲ 0.50% · 4.625%
HK$31,121
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,672/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,710
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,534
−HK$835/mo
Today · 4.125%
HK$32,369
baseline
▲ 0.50% · 4.625%
HK$34,075
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,738/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,126
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,156
−HK$1,047/mo
Today · 4.125%
HK$35,203
baseline
▲ 0.50% · 4.625%
HK$37,345
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,406/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,852
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,840
−HK$1,003/mo
Today · 4.125%
HK$38,843
baseline
▲ 0.50% · 4.625%
HK$40,890
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,686/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,647
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,849
−HK$1,221/mo
Today · 4.125%
HK$41,070
baseline
▲ 0.50% · 4.625%
HK$43,569
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,140/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,994
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,147
−HK$1,170/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$47,705
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,688
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,234
−HK$1,570/mo
Today · 4.125%
HK$52,804
baseline
▲ 0.50% · 4.625%
HK$56,017
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$105,608/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,278
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,760
−HK$1,504/mo
Today · 4.125%
HK$58,264
baseline
▲ 0.50% · 4.625%
HK$61,336
+HK$3,072/mo
Deposit HK$1.21M · loan HK$10.90M · min. income ≈ HK$116,528/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,974 · Scale 2, in force from 26 Feb 2026)