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$27,549
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,406
−HK$870/mo
Today · 4.125%
HK$29,276
baseline
▲ 0.50% · 4.625%
HK$31,058
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,552/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,648
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,470
−HK$834/mo
Today · 4.125%
HK$32,304
baseline
▲ 0.50% · 4.625%
HK$34,006
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,608/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,059
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,087
−HK$1,045/mo
Today · 4.125%
HK$35,132
baseline
▲ 0.50% · 4.625%
HK$37,269
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,264/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,777
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,764
−HK$1,000/mo
Today · 4.125%
HK$38,764
baseline
▲ 0.50% · 4.625%
HK$40,808
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,528/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,568
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,768
−HK$1,219/mo
Today · 4.125%
HK$40,987
baseline
▲ 0.50% · 4.625%
HK$43,481
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,974/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,907
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,058
−HK$1,167/mo
Today · 4.125%
HK$45,225
baseline
▲ 0.50% · 4.625%
HK$47,609
+HK$2,384/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,450/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,588
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,130
−HK$1,567/mo
Today · 4.125%
HK$52,697
baseline
▲ 0.50% · 4.625%
HK$55,904
+HK$3,207/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,394/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,166
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,645
−HK$1,501/mo
Today · 4.125%
HK$58,146
baseline
▲ 0.50% · 4.625%
HK$61,211
+HK$3,065/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,292/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,054 · Scale 2, in force from 26 Feb 2026)