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$27,523
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,379
−HK$870/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$31,028
+HK$1,779/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,619
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,440
−HK$833/mo
Today · 4.125%
HK$32,273
baseline
▲ 0.50% · 4.625%
HK$33,974
+HK$1,701/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,546/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,027
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,055
−HK$1,044/mo
Today · 4.125%
HK$35,099
baseline
▲ 0.50% · 4.625%
HK$37,234
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,198/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,743
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,728
−HK$1,000/mo
Today · 4.125%
HK$38,728
baseline
▲ 0.50% · 4.625%
HK$40,769
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,456/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,532
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,731
−HK$1,217/mo
Today · 4.125%
HK$40,948
baseline
▲ 0.50% · 4.625%
HK$43,440
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,896/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,866
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,016
−HK$1,166/mo
Today · 4.125%
HK$45,182
baseline
▲ 0.50% · 4.625%
HK$47,564
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,364/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,541
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,082
−HK$1,566/mo
Today · 4.125%
HK$52,648
baseline
▲ 0.50% · 4.625%
HK$55,851
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,296/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,114
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,592
−HK$1,500/mo
Today · 4.125%
HK$58,092
baseline
▲ 0.50% · 4.625%
HK$61,154
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,184/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,628 · Scale 2, in force from 26 Feb 2026)