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$27,529
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,385
−HK$870/mo
Today · 4.125%
HK$29,255
baseline
▲ 0.50% · 4.625%
HK$31,035
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,510/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,626
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,447
−HK$833/mo
Today · 4.125%
HK$32,280
baseline
▲ 0.50% · 4.625%
HK$33,982
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,560/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,035
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,062
−HK$1,044/mo
Today · 4.125%
HK$35,106
baseline
▲ 0.50% · 4.625%
HK$37,242
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,212/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,751
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,736
−HK$1,000/mo
Today · 4.125%
HK$38,736
baseline
▲ 0.50% · 4.625%
HK$40,778
+HK$2,042/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,472/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,540
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,739
−HK$1,218/mo
Today · 4.125%
HK$40,957
baseline
▲ 0.50% · 4.625%
HK$43,449
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,914/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,876
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,026
−HK$1,166/mo
Today · 4.125%
HK$45,192
baseline
▲ 0.50% · 4.625%
HK$47,574
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,384/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,552
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,093
−HK$1,566/mo
Today · 4.125%
HK$52,659
baseline
▲ 0.50% · 4.625%
HK$55,863
+HK$3,204/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,318/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,126
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,604
−HK$1,500/mo
Today · 4.125%
HK$58,104
baseline
▲ 0.50% · 4.625%
HK$61,167
+HK$3,063/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,208/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,727 · Scale 2, in force from 26 Feb 2026)