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$27,529
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,386
−HK$870/mo
Today · 4.125%
HK$29,256
baseline
▲ 0.50% · 4.625%
HK$31,036
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,512/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,626
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,447
−HK$834/mo
Today · 4.125%
HK$32,281
baseline
▲ 0.50% · 4.625%
HK$33,982
+HK$1,701/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,562/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,035
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,063
−HK$1,044/mo
Today · 4.125%
HK$35,107
baseline
▲ 0.50% · 4.625%
HK$37,243
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,214/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,751
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,737
−HK$1,000/mo
Today · 4.125%
HK$38,737
baseline
▲ 0.50% · 4.625%
HK$40,779
+HK$2,042/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,474/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,541
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,740
−HK$1,218/mo
Today · 4.125%
HK$40,958
baseline
▲ 0.50% · 4.625%
HK$43,450
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,916/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,876
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,026
−HK$1,167/mo
Today · 4.125%
HK$45,193
baseline
▲ 0.50% · 4.625%
HK$47,575
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,386/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,553
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,094
−HK$1,566/mo
Today · 4.125%
HK$52,660
baseline
▲ 0.50% · 4.625%
HK$55,864
+HK$3,204/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,320/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,127
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,605
−HK$1,500/mo
Today · 4.125%
HK$58,105
baseline
▲ 0.50% · 4.625%
HK$61,168
+HK$3,063/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,210/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,733 · Scale 2, in force from 26 Feb 2026)