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$27,540
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,397
−HK$870/mo
Today · 4.125%
HK$29,267
baseline
▲ 0.50% · 4.625%
HK$31,048
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,534/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,638
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,460
−HK$833/mo
Today · 4.125%
HK$32,293
baseline
▲ 0.50% · 4.625%
HK$33,996
+HK$1,703/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,586/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,048
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$1,044/mo
Today · 4.125%
HK$35,120
baseline
▲ 0.50% · 4.625%
HK$37,257
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,240/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,766
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,000/mo
Today · 4.125%
HK$38,752
baseline
▲ 0.50% · 4.625%
HK$40,795
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,504/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,556
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,755
−HK$1,219/mo
Today · 4.125%
HK$40,974
baseline
▲ 0.50% · 4.625%
HK$43,467
+HK$2,493/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,948/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,893
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,044
−HK$1,167/mo
Today · 4.125%
HK$45,211
baseline
▲ 0.50% · 4.625%
HK$47,594
+HK$2,383/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,422/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,572
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,114
−HK$1,567/mo
Today · 4.125%
HK$52,681
baseline
▲ 0.50% · 4.625%
HK$55,886
+HK$3,205/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,362/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,148
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,627
−HK$1,501/mo
Today · 4.125%
HK$58,128
baseline
▲ 0.50% · 4.625%
HK$61,192
+HK$3,064/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,256/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,911 · Scale 2, in force from 26 Feb 2026)