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$27,524
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,381
−HK$869/mo
Today · 4.125%
HK$29,250
baseline
▲ 0.50% · 4.625%
HK$31,030
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,500/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,621
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,442
−HK$833/mo
Today · 4.125%
HK$32,275
baseline
▲ 0.50% · 4.625%
HK$33,976
+HK$1,701/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,550/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,029
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,057
−HK$1,043/mo
Today · 4.125%
HK$35,100
baseline
▲ 0.50% · 4.625%
HK$37,236
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,200/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,745
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,730
−HK$1,000/mo
Today · 4.125%
HK$38,730
baseline
▲ 0.50% · 4.625%
HK$40,771
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,460/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,534
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,733
−HK$1,218/mo
Today · 4.125%
HK$40,951
baseline
▲ 0.50% · 4.625%
HK$43,442
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,902/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,869
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,018
−HK$1,167/mo
Today · 4.125%
HK$45,185
baseline
▲ 0.50% · 4.625%
HK$47,567
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,370/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,544
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,085
−HK$1,566/mo
Today · 4.125%
HK$52,651
baseline
▲ 0.50% · 4.625%
HK$55,854
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,302/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,117
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,595
−HK$1,500/mo
Today · 4.125%
HK$58,095
baseline
▲ 0.50% · 4.625%
HK$61,157
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,190/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,653 · Scale 2, in force from 26 Feb 2026)