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$27,555
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,413
−HK$870/mo
Today · 4.125%
HK$29,283
baseline
▲ 0.50% · 4.625%
HK$31,065
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,566/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,655
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,477
−HK$834/mo
Today · 4.125%
HK$32,311
baseline
▲ 0.50% · 4.625%
HK$34,015
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,622/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,067
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,095
−HK$1,045/mo
Today · 4.125%
HK$35,140
baseline
▲ 0.50% · 4.625%
HK$37,278
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,280/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,786
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,773
−HK$1,001/mo
Today · 4.125%
HK$38,774
baseline
▲ 0.50% · 4.625%
HK$40,817
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,548/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,578
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,778
−HK$1,219/mo
Today · 4.125%
HK$40,997
baseline
▲ 0.50% · 4.625%
HK$43,491
+HK$2,494/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$81,994/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,917
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,068
−HK$1,168/mo
Today · 4.125%
HK$45,236
baseline
▲ 0.50% · 4.625%
HK$47,620
+HK$2,384/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,472/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,600
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,143
−HK$1,567/mo
Today · 4.125%
HK$52,710
baseline
▲ 0.50% · 4.625%
HK$55,917
+HK$3,207/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,420/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,179
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,659
−HK$1,502/mo
Today · 4.125%
HK$58,161
baseline
▲ 0.50% · 4.625%
HK$61,226
+HK$3,065/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,322/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,165 · Scale 2, in force from 26 Feb 2026)