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$27,541
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,398
−HK$870/mo
Today · 4.125%
HK$29,268
baseline
▲ 0.50% · 4.625%
HK$31,049
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,536/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,639
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,461
−HK$833/mo
Today · 4.125%
HK$32,294
baseline
▲ 0.50% · 4.625%
HK$33,997
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,588/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,049
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,077
−HK$1,045/mo
Today · 4.125%
HK$35,122
baseline
▲ 0.50% · 4.625%
HK$37,259
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,244/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,767
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,753
−HK$1,000/mo
Today · 4.125%
HK$38,753
baseline
▲ 0.50% · 4.625%
HK$40,796
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,506/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,557
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,757
−HK$1,218/mo
Today · 4.125%
HK$40,975
baseline
▲ 0.50% · 4.625%
HK$43,468
+HK$2,493/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,950/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,895
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,045
−HK$1,167/mo
Today · 4.125%
HK$45,212
baseline
▲ 0.50% · 4.625%
HK$47,595
+HK$2,383/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,424/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,574
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,116
−HK$1,566/mo
Today · 4.125%
HK$52,682
baseline
▲ 0.50% · 4.625%
HK$55,888
+HK$3,206/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,364/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,150
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,629
−HK$1,501/mo
Today · 4.125%
HK$58,130
baseline
▲ 0.50% · 4.625%
HK$61,194
+HK$3,064/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,260/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,925 · Scale 2, in force from 26 Feb 2026)