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$27,545
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$870/mo
Today · 4.125%
HK$29,272
baseline
▲ 0.50% · 4.625%
HK$31,053
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,544/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,643
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,465
−HK$834/mo
Today · 4.125%
HK$32,299
baseline
▲ 0.50% · 4.625%
HK$34,001
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,598/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,054
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,082
−HK$1,045/mo
Today · 4.125%
HK$35,127
baseline
▲ 0.50% · 4.625%
HK$37,264
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,254/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,772
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,758
−HK$1,001/mo
Today · 4.125%
HK$38,759
baseline
▲ 0.50% · 4.625%
HK$40,802
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,518/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,563
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,762
−HK$1,219/mo
Today · 4.125%
HK$40,981
baseline
▲ 0.50% · 4.625%
HK$43,475
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,962/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,901
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,051
−HK$1,167/mo
Today · 4.125%
HK$45,218
baseline
▲ 0.50% · 4.625%
HK$47,602
+HK$2,384/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,436/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,581
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,123
−HK$1,567/mo
Today · 4.125%
HK$52,690
baseline
▲ 0.50% · 4.625%
HK$55,896
+HK$3,206/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,380/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,158
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,637
−HK$1,501/mo
Today · 4.125%
HK$58,138
baseline
▲ 0.50% · 4.625%
HK$61,203
+HK$3,065/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,276/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,989 · Scale 2, in force from 26 Feb 2026)