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$27,554
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,411
−HK$871/mo
Today · 4.125%
HK$29,282
baseline
▲ 0.50% · 4.625%
HK$31,063
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,564/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,653
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,475
−HK$834/mo
Today · 4.125%
HK$32,309
baseline
▲ 0.50% · 4.625%
HK$34,012
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,618/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,065
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,093
−HK$1,045/mo
Today · 4.125%
HK$35,138
baseline
▲ 0.50% · 4.625%
HK$37,276
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,276/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,784
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,771
−HK$1,000/mo
Today · 4.125%
HK$38,771
baseline
▲ 0.50% · 4.625%
HK$40,815
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,542/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,575
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,775
−HK$1,219/mo
Today · 4.125%
HK$40,994
baseline
▲ 0.50% · 4.625%
HK$43,489
+HK$2,495/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$81,988/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,915
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,066
−HK$1,167/mo
Today · 4.125%
HK$45,233
baseline
▲ 0.50% · 4.625%
HK$47,617
+HK$2,384/mo
Deposit HK$3.63M · loan HK$8.46M · min. income ≈ HK$90,466/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,597
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,140
−HK$1,567/mo
Today · 4.125%
HK$52,707
baseline
▲ 0.50% · 4.625%
HK$55,914
+HK$3,207/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$105,414/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,176
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,656
−HK$1,501/mo
Today · 4.125%
HK$58,157
baseline
▲ 0.50% · 4.625%
HK$61,222
+HK$3,065/mo
Deposit HK$1.21M · loan HK$10.88M · min. income ≈ HK$116,314/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,137 · Scale 2, in force from 26 Feb 2026)