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$27,566
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$28,424
−HK$871/mo
Today · 4.125%
HK$29,295
baseline
▲ 0.50% · 4.625%
HK$31,077
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,590/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,667
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$31,489
−HK$835/mo
Today · 4.125%
HK$32,324
baseline
▲ 0.50% · 4.625%
HK$34,028
+HK$1,704/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,648/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$453,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,079
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,108
−HK$1,046/mo
Today · 4.125%
HK$35,154
baseline
▲ 0.50% · 4.625%
HK$37,293
+HK$2,139/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$70,308/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,800
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,787
−HK$1,002/mo
Today · 4.125%
HK$38,789
baseline
▲ 0.50% · 4.625%
HK$40,833
+HK$2,044/mo
Deposit HK$4.84M · loan HK$7.25M · min. income ≈ HK$77,578/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,593
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,793
−HK$1,220/mo
Today · 4.125%
HK$41,013
baseline
▲ 0.50% · 4.625%
HK$43,508
+HK$2,495/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$82,026/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,934
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,085
−HK$1,168/mo
Today · 4.125%
HK$45,253
baseline
▲ 0.50% · 4.625%
HK$47,639
+HK$2,386/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,506/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,619
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,162
−HK$1,569/mo
Today · 4.125%
HK$52,731
baseline
▲ 0.50% · 4.625%
HK$55,939
+HK$3,208/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,462/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,201
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,681
−HK$1,502/mo
Today · 4.125%
HK$58,183
baseline
▲ 0.50% · 4.625%
HK$61,250
+HK$3,067/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,366/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,339 · Scale 2, in force from 26 Feb 2026)