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$1,727/mo
▼ 0.25% · 3.875%
HK$28,385
−HK$870/mo
Today · 4.125%
HK$29,255
baseline
▲ 0.50% · 4.625%
HK$31,035
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,510/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,625
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,446
−HK$833/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$33,981
+HK$1,702/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$452,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,034
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,061
−HK$1,044/mo
Today · 4.125%
HK$35,105
baseline
▲ 0.50% · 4.625%
HK$37,242
+HK$2,137/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$452,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,750
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,735
−HK$1,000/mo
Today · 4.125%
HK$38,735
baseline
▲ 0.50% · 4.625%
HK$40,777
+HK$2,042/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$452,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,540
−HK$2,416/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$452,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,875
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,025
−HK$1,166/mo
Today · 4.125%
HK$45,191
baseline
▲ 0.50% · 4.625%
HK$47,573
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,382/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,551
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,092
−HK$1,566/mo
Today · 4.125%
HK$52,658
baseline
▲ 0.50% · 4.625%
HK$55,862
+HK$3,204/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,316/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,125
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,603
−HK$1,500/mo
Today · 4.125%
HK$58,103
baseline
▲ 0.50% · 4.625%
HK$61,166
+HK$3,063/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,206/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,717 · Scale 2, in force from 26 Feb 2026)