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$27,553
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,410
−HK$871/mo
Today · 4.125%
HK$29,281
baseline
▲ 0.50% · 4.625%
HK$31,062
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,562/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,652
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,474
−HK$834/mo
Today · 4.125%
HK$32,308
baseline
▲ 0.50% · 4.625%
HK$34,011
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,616/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,092
−HK$1,045/mo
Today · 4.125%
HK$35,137
baseline
▲ 0.50% · 4.625%
HK$37,275
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,274/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,783
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,769
−HK$1,001/mo
Today · 4.125%
HK$38,770
baseline
▲ 0.50% · 4.625%
HK$40,813
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,540/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,574
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,774
−HK$1,219/mo
Today · 4.125%
HK$40,993
baseline
▲ 0.50% · 4.625%
HK$43,487
+HK$2,494/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,986/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,913
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,064
−HK$1,167/mo
Today · 4.125%
HK$45,231
baseline
▲ 0.50% · 4.625%
HK$47,616
+HK$2,385/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$90,462/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,595
−HK$3,110/mo
▼ 0.25% · 3.875%
HK$51,138
−HK$1,567/mo
Today · 4.125%
HK$52,705
baseline
▲ 0.50% · 4.625%
HK$55,912
+HK$3,207/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,410/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,174
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,654
−HK$1,501/mo
Today · 4.125%
HK$58,155
baseline
▲ 0.50% · 4.625%
HK$61,220
+HK$3,065/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,310/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,120 · Scale 2, in force from 26 Feb 2026)