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$27,533
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,390
−HK$870/mo
Today · 4.125%
HK$29,260
baseline
▲ 0.50% · 4.625%
HK$31,040
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,520/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,631
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,452
−HK$834/mo
Today · 4.125%
HK$32,286
baseline
▲ 0.50% · 4.625%
HK$33,987
+HK$1,701/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,572/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,040
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,068
−HK$1,044/mo
Today · 4.125%
HK$35,112
baseline
▲ 0.50% · 4.625%
HK$37,249
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,224/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,757
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,000/mo
Today · 4.125%
HK$38,743
baseline
▲ 0.50% · 4.625%
HK$40,785
+HK$2,042/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,486/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,547
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,746
−HK$1,218/mo
Today · 4.125%
HK$40,964
baseline
▲ 0.50% · 4.625%
HK$43,457
+HK$2,493/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,928/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,883
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,033
−HK$1,167/mo
Today · 4.125%
HK$45,200
baseline
▲ 0.50% · 4.625%
HK$47,582
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,400/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,560
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,102
−HK$1,566/mo
Today · 4.125%
HK$52,668
baseline
▲ 0.50% · 4.625%
HK$55,873
+HK$3,205/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,336/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,135
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,614
−HK$1,500/mo
Today · 4.125%
HK$58,114
baseline
▲ 0.50% · 4.625%
HK$61,177
+HK$3,063/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,228/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,802 · Scale 2, in force from 26 Feb 2026)