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$27,548
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,405
−HK$871/mo
Today · 4.125%
HK$29,276
baseline
▲ 0.50% · 4.625%
HK$31,057
+HK$1,781/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$453,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,647
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,469
−HK$834/mo
Today · 4.125%
HK$32,303
baseline
▲ 0.50% · 4.625%
HK$34,006
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,606/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,058
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,086
−HK$1,045/mo
Today · 4.125%
HK$35,131
baseline
▲ 0.50% · 4.625%
HK$37,269
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,262/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,777
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,763
−HK$1,000/mo
Today · 4.125%
HK$38,763
baseline
▲ 0.50% · 4.625%
HK$40,807
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,526/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,568
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,767
−HK$1,219/mo
Today · 4.125%
HK$40,986
baseline
▲ 0.50% · 4.625%
HK$43,480
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,972/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,906
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,057
−HK$1,167/mo
Today · 4.125%
HK$45,224
baseline
▲ 0.50% · 4.625%
HK$47,608
+HK$2,384/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,448/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,587
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,129
−HK$1,567/mo
Today · 4.125%
HK$52,696
baseline
▲ 0.50% · 4.625%
HK$55,903
+HK$3,207/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,392/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,165
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,644
−HK$1,501/mo
Today · 4.125%
HK$58,145
baseline
▲ 0.50% · 4.625%
HK$61,210
+HK$3,065/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,290/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,046 · Scale 2, in force from 26 Feb 2026)