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$28,380
−HK$870/mo
Today · 4.125%
HK$29,250
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,779/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$452,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,620
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,441
−HK$833/mo
Today · 4.125%
HK$32,274
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,701/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,548/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,028
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,056
−HK$1,044/mo
Today · 4.125%
HK$35,100
baseline
▲ 0.50% · 4.625%
HK$37,235
+HK$2,135/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$452,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,744
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,729
−HK$1,000/mo
Today · 4.125%
HK$38,729
baseline
▲ 0.50% · 4.625%
HK$40,770
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,458/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,533
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,732
−HK$1,217/mo
Today · 4.125%
HK$40,949
baseline
▲ 0.50% · 4.625%
HK$43,441
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,898/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,868
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,017
−HK$1,167/mo
Today · 4.125%
HK$45,184
baseline
▲ 0.50% · 4.625%
HK$47,565
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,368/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,543
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,084
−HK$1,565/mo
Today · 4.125%
HK$52,649
baseline
▲ 0.50% · 4.625%
HK$55,853
+HK$3,204/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,298/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,116
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,594
−HK$1,499/mo
Today · 4.125%
HK$58,093
baseline
▲ 0.50% · 4.625%
HK$61,156
+HK$3,063/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,186/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,641 · Scale 2, in force from 26 Feb 2026)