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$27,602
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$28,460
−HK$872/mo
Today · 4.125%
HK$29,332
baseline
▲ 0.50% · 4.625%
HK$31,117
+HK$1,785/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$58,664/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,706
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$31,530
−HK$835/mo
Today · 4.125%
HK$32,365
baseline
▲ 0.50% · 4.625%
HK$34,071
+HK$1,706/mo
Deposit HK$6.05M · loan HK$6.05M · min. income ≈ HK$64,730/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$453,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,122
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,152
−HK$1,047/mo
Today · 4.125%
HK$35,199
baseline
▲ 0.50% · 4.625%
HK$37,341
+HK$2,142/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$70,398/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,848
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,836
−HK$1,002/mo
Today · 4.125%
HK$38,838
baseline
▲ 0.50% · 4.625%
HK$40,886
+HK$2,048/mo
Deposit HK$4.84M · loan HK$7.26M · min. income ≈ HK$77,676/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$453,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,642
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,844
−HK$1,221/mo
Today · 4.125%
HK$41,065
baseline
▲ 0.50% · 4.625%
HK$43,564
+HK$2,499/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$82,130/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,989
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,142
−HK$1,170/mo
Today · 4.125%
HK$45,312
baseline
▲ 0.50% · 4.625%
HK$47,700
+HK$2,388/mo
Deposit HK$3.63M · loan HK$8.47M · min. income ≈ HK$90,624/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$453,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,683
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,228
−HK$1,570/mo
Today · 4.125%
HK$52,798
baseline
▲ 0.50% · 4.625%
HK$56,011
+HK$3,213/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$105,596/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,272
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$56,754
−HK$1,504/mo
Today · 4.125%
HK$58,258
baseline
▲ 0.50% · 4.625%
HK$61,329
+HK$3,071/mo
Deposit HK$1.21M · loan HK$10.89M · min. income ≈ HK$116,516/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,922 · Scale 2, in force from 26 Feb 2026)