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$27,528
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$870/mo
Today · 4.125%
HK$29,254
baseline
▲ 0.50% · 4.625%
HK$31,034
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,508/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,624
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,446
−HK$833/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$33,980
+HK$1,701/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,558/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,061
−HK$1,044/mo
Today · 4.125%
HK$35,105
baseline
▲ 0.50% · 4.625%
HK$37,241
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,210/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,749
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,735
−HK$1,000/mo
Today · 4.125%
HK$38,735
baseline
▲ 0.50% · 4.625%
HK$40,776
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,470/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,539
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,738
−HK$1,218/mo
Today · 4.125%
HK$40,956
baseline
▲ 0.50% · 4.625%
HK$43,448
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,912/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,874
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,024
−HK$1,166/mo
Today · 4.125%
HK$45,190
baseline
▲ 0.50% · 4.625%
HK$47,572
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,380/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,550
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,091
−HK$1,566/mo
Today · 4.125%
HK$52,657
baseline
▲ 0.50% · 4.625%
HK$55,861
+HK$3,204/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,314/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,124
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,602
−HK$1,500/mo
Today · 4.125%
HK$58,102
baseline
▲ 0.50% · 4.625%
HK$61,165
+HK$3,063/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,204/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,708 · Scale 2, in force from 26 Feb 2026)