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$27,551
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,408
−HK$871/mo
Today · 4.125%
HK$29,279
baseline
▲ 0.50% · 4.625%
HK$31,060
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,558/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,650
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,472
−HK$834/mo
Today · 4.125%
HK$32,306
baseline
▲ 0.50% · 4.625%
HK$34,009
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,612/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,061
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,089
−HK$1,045/mo
Today · 4.125%
HK$35,134
baseline
▲ 0.50% · 4.625%
HK$37,272
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,268/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,780
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,766
−HK$1,001/mo
Today · 4.125%
HK$38,767
baseline
▲ 0.50% · 4.625%
HK$40,811
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,534/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,571
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,771
−HK$1,219/mo
Today · 4.125%
HK$40,990
baseline
▲ 0.50% · 4.625%
HK$43,484
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,980/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,910
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,061
−HK$1,167/mo
Today · 4.125%
HK$45,228
baseline
▲ 0.50% · 4.625%
HK$47,612
+HK$2,384/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,456/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,592
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,134
−HK$1,567/mo
Today · 4.125%
HK$52,701
baseline
▲ 0.50% · 4.625%
HK$55,908
+HK$3,207/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,402/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,170
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,650
−HK$1,501/mo
Today · 4.125%
HK$58,151
baseline
▲ 0.50% · 4.625%
HK$61,216
+HK$3,065/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,302/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,088 · Scale 2, in force from 26 Feb 2026)