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$27,601
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,459
−HK$872/mo
Today · 4.125%
HK$29,331
baseline
▲ 0.50% · 4.625%
HK$31,116
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,662/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,705
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,529
−HK$835/mo
Today · 4.125%
HK$32,364
baseline
▲ 0.50% · 4.625%
HK$34,070
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,728/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,121
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,151
−HK$1,047/mo
Today · 4.125%
HK$35,198
baseline
▲ 0.50% · 4.625%
HK$37,339
+HK$2,141/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,396/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,847
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,835
−HK$1,002/mo
Today · 4.125%
HK$38,837
baseline
▲ 0.50% · 4.625%
HK$40,884
+HK$2,047/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,674/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,641
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,843
−HK$1,221/mo
Today · 4.125%
HK$41,064
baseline
▲ 0.50% · 4.625%
HK$43,563
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,128/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,988
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,141
−HK$1,169/mo
Today · 4.125%
HK$45,310
baseline
▲ 0.50% · 4.625%
HK$47,699
+HK$2,389/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,620/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,681
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,227
−HK$1,570/mo
Today · 4.125%
HK$52,797
baseline
▲ 0.50% · 4.625%
HK$56,009
+HK$3,212/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,594/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,270
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,752
−HK$1,504/mo
Today · 4.125%
HK$58,256
baseline
▲ 0.50% · 4.625%
HK$61,327
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,512/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,908 · Scale 2, in force from 26 Feb 2026)