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$27,544
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,401
−HK$870/mo
Today · 4.125%
HK$29,271
baseline
▲ 0.50% · 4.625%
HK$31,052
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,542/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,642
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,464
−HK$834/mo
Today · 4.125%
HK$32,298
baseline
▲ 0.50% · 4.625%
HK$34,000
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,596/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,052
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,081
−HK$1,044/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$37,262
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,771
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,757
−HK$1,000/mo
Today · 4.125%
HK$38,757
baseline
▲ 0.50% · 4.625%
HK$40,800
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,514/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,561
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,761
−HK$1,218/mo
Today · 4.125%
HK$40,979
baseline
▲ 0.50% · 4.625%
HK$43,473
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,958/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,899
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,050
−HK$1,167/mo
Today · 4.125%
HK$45,217
baseline
▲ 0.50% · 4.625%
HK$47,600
+HK$2,383/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,434/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,579
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,121
−HK$1,567/mo
Today · 4.125%
HK$52,688
baseline
▲ 0.50% · 4.625%
HK$55,894
+HK$3,206/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,376/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,156
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,635
−HK$1,501/mo
Today · 4.125%
HK$58,136
baseline
▲ 0.50% · 4.625%
HK$61,200
+HK$3,064/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,272/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,972 · Scale 2, in force from 26 Feb 2026)