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$27,552
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,409
−HK$870/mo
Today · 4.125%
HK$29,279
baseline
▲ 0.50% · 4.625%
HK$31,061
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,558/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,651
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,473
−HK$834/mo
Today · 4.125%
HK$32,307
baseline
▲ 0.50% · 4.625%
HK$34,010
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,614/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,062
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,090
−HK$1,045/mo
Today · 4.125%
HK$35,135
baseline
▲ 0.50% · 4.625%
HK$37,273
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,270/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,781
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,768
−HK$1,000/mo
Today · 4.125%
HK$38,768
baseline
▲ 0.50% · 4.625%
HK$40,812
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,536/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,572
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,772
−HK$1,219/mo
Today · 4.125%
HK$40,991
baseline
▲ 0.50% · 4.625%
HK$43,485
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,982/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,911
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,062
−HK$1,168/mo
Today · 4.125%
HK$45,230
baseline
▲ 0.50% · 4.625%
HK$47,614
+HK$2,384/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,460/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,593
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,136
−HK$1,567/mo
Today · 4.125%
HK$52,703
baseline
▲ 0.50% · 4.625%
HK$55,910
+HK$3,207/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,406/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,172
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,651
−HK$1,501/mo
Today · 4.125%
HK$58,152
baseline
▲ 0.50% · 4.625%
HK$61,218
+HK$3,066/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,304/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,102 · Scale 2, in force from 26 Feb 2026)