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$27,535
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,392
−HK$870/mo
Today · 4.125%
HK$29,262
baseline
▲ 0.50% · 4.625%
HK$31,043
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,524/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,633
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,454
−HK$834/mo
Today · 4.125%
HK$32,288
baseline
▲ 0.50% · 4.625%
HK$33,990
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,576/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,042
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,070
−HK$1,044/mo
Today · 4.125%
HK$35,114
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,228/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,759
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,745
−HK$1,000/mo
Today · 4.125%
HK$38,745
baseline
▲ 0.50% · 4.625%
HK$40,788
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,490/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,549
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,749
−HK$1,218/mo
Today · 4.125%
HK$40,967
baseline
▲ 0.50% · 4.625%
HK$43,460
+HK$2,493/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,934/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,886
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,036
−HK$1,167/mo
Today · 4.125%
HK$45,203
baseline
▲ 0.50% · 4.625%
HK$47,586
+HK$2,383/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,406/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,564
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,105
−HK$1,567/mo
Today · 4.125%
HK$52,672
baseline
▲ 0.50% · 4.625%
HK$55,877
+HK$3,205/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,344/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,139
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,618
−HK$1,500/mo
Today · 4.125%
HK$58,118
baseline
▲ 0.50% · 4.625%
HK$61,182
+HK$3,064/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,236/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,834 · Scale 2, in force from 26 Feb 2026)