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$27,547
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,404
−HK$870/mo
Today · 4.125%
HK$29,274
baseline
▲ 0.50% · 4.625%
HK$31,055
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,548/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,646
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,467
−HK$834/mo
Today · 4.125%
HK$32,301
baseline
▲ 0.50% · 4.625%
HK$34,004
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,602/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,056
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,084
−HK$1,045/mo
Today · 4.125%
HK$35,129
baseline
▲ 0.50% · 4.625%
HK$37,267
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,258/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,775
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,761
−HK$1,000/mo
Today · 4.125%
HK$38,761
baseline
▲ 0.50% · 4.625%
HK$40,805
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,522/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,566
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,765
−HK$1,219/mo
Today · 4.125%
HK$40,984
baseline
▲ 0.50% · 4.625%
HK$43,478
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,968/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,904
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,054
−HK$1,168/mo
Today · 4.125%
HK$45,222
baseline
▲ 0.50% · 4.625%
HK$47,605
+HK$2,383/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,444/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,584
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,127
−HK$1,567/mo
Today · 4.125%
HK$52,694
baseline
▲ 0.50% · 4.625%
HK$55,900
+HK$3,206/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,388/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,162
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,641
−HK$1,501/mo
Today · 4.125%
HK$58,142
baseline
▲ 0.50% · 4.625%
HK$61,207
+HK$3,065/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,284/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,022 · Scale 2, in force from 26 Feb 2026)