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$27,542
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,399
−HK$871/mo
Today · 4.125%
HK$29,270
baseline
▲ 0.50% · 4.625%
HK$31,051
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,540/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,641
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,462
−HK$834/mo
Today · 4.125%
HK$32,296
baseline
▲ 0.50% · 4.625%
HK$33,998
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,592/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,051
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$1,044/mo
Today · 4.125%
HK$35,123
baseline
▲ 0.50% · 4.625%
HK$37,261
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,246/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,769
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,755
−HK$1,000/mo
Today · 4.125%
HK$38,755
baseline
▲ 0.50% · 4.625%
HK$40,798
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,510/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,559
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,759
−HK$1,218/mo
Today · 4.125%
HK$40,977
baseline
▲ 0.50% · 4.625%
HK$43,471
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,954/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,897
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,047
−HK$1,167/mo
Today · 4.125%
HK$45,214
baseline
▲ 0.50% · 4.625%
HK$47,598
+HK$2,384/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,428/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,576
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,118
−HK$1,567/mo
Today · 4.125%
HK$52,685
baseline
▲ 0.50% · 4.625%
HK$55,891
+HK$3,206/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,370/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,153
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,632
−HK$1,501/mo
Today · 4.125%
HK$58,133
baseline
▲ 0.50% · 4.625%
HK$61,197
+HK$3,064/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,266/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,949 · Scale 2, in force from 26 Feb 2026)