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$27,552
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$28,410
−HK$870/mo
Today · 4.125%
HK$29,280
baseline
▲ 0.50% · 4.625%
HK$31,062
+HK$1,782/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,560/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$453,116 · 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$453,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,091
−HK$1,045/mo
Today · 4.125%
HK$35,136
baseline
▲ 0.50% · 4.625%
HK$37,274
+HK$2,138/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,272/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,782
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$37,769
−HK$1,000/mo
Today · 4.125%
HK$38,769
baseline
▲ 0.50% · 4.625%
HK$40,813
+HK$2,044/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,538/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$453,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,573
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,773
−HK$1,219/mo
Today · 4.125%
HK$40,992
baseline
▲ 0.50% · 4.625%
HK$43,487
+HK$2,495/mo
Deposit HK$3.62M · loan HK$8.46M · min. income ≈ HK$81,984/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$453,116 · 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$47,615
+HK$2,384/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$453,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,594
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,137
−HK$1,568/mo
Today · 4.125%
HK$52,705
baseline
▲ 0.50% · 4.625%
HK$55,911
+HK$3,206/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$453,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,173
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,653
−HK$1,501/mo
Today · 4.125%
HK$58,154
baseline
▲ 0.50% · 4.625%
HK$61,220
+HK$3,066/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,308/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$453,116 · Scale 2, in force from 26 Feb 2026)