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$27,534
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,391
−HK$870/mo
Today · 4.125%
HK$29,261
baseline
▲ 0.50% · 4.625%
HK$31,042
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,522/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,632
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,453
−HK$834/mo
Today · 4.125%
HK$32,287
baseline
▲ 0.50% · 4.625%
HK$33,989
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,574/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,041
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,069
−HK$1,044/mo
Today · 4.125%
HK$35,113
baseline
▲ 0.50% · 4.625%
HK$37,250
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,226/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,758
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,744
−HK$1,000/mo
Today · 4.125%
HK$38,744
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,042/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,488/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,548
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,747
−HK$1,219/mo
Today · 4.125%
HK$40,966
baseline
▲ 0.50% · 4.625%
HK$43,458
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,932/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,885
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,035
−HK$1,166/mo
Today · 4.125%
HK$45,201
baseline
▲ 0.50% · 4.625%
HK$47,584
+HK$2,383/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,402/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,562
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,104
−HK$1,566/mo
Today · 4.125%
HK$52,670
baseline
▲ 0.50% · 4.625%
HK$55,875
+HK$3,205/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,340/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,137
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,616
−HK$1,500/mo
Today · 4.125%
HK$58,116
baseline
▲ 0.50% · 4.625%
HK$61,180
+HK$3,064/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,232/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,819 · Scale 2, in force from 26 Feb 2026)