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$27,530
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$870/mo
Today · 4.125%
HK$29,257
baseline
▲ 0.50% · 4.625%
HK$31,037
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,514/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,627
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,449
−HK$833/mo
Today · 4.125%
HK$32,282
baseline
▲ 0.50% · 4.625%
HK$33,984
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,564/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,036
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$1,044/mo
Today · 4.125%
HK$35,108
baseline
▲ 0.50% · 4.625%
HK$37,244
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,216/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,753
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,738
−HK$1,000/mo
Today · 4.125%
HK$38,738
baseline
▲ 0.50% · 4.625%
HK$40,780
+HK$2,042/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,476/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,542
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,741
−HK$1,218/mo
Today · 4.125%
HK$40,959
baseline
▲ 0.50% · 4.625%
HK$43,452
+HK$2,493/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,918/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,878
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,028
−HK$1,167/mo
Today · 4.125%
HK$45,195
baseline
▲ 0.50% · 4.625%
HK$47,577
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,390/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,555
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,096
−HK$1,566/mo
Today · 4.125%
HK$52,662
baseline
▲ 0.50% · 4.625%
HK$55,866
+HK$3,204/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,324/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,129
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,608
−HK$1,499/mo
Today · 4.125%
HK$58,107
baseline
▲ 0.50% · 4.625%
HK$61,170
+HK$3,063/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,214/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,751 · Scale 2, in force from 26 Feb 2026)