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$27,539
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,395
−HK$871/mo
Today · 4.125%
HK$29,266
baseline
▲ 0.50% · 4.625%
HK$31,046
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,532/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,636
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$31,458
−HK$834/mo
Today · 4.125%
HK$32,292
baseline
▲ 0.50% · 4.625%
HK$33,994
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,584/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,046
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$34,074
−HK$1,045/mo
Today · 4.125%
HK$35,119
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$2,137/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$70,238/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,764
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,750
−HK$1,000/mo
Today · 4.125%
HK$38,750
baseline
▲ 0.50% · 4.625%
HK$40,793
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.25M · min. income ≈ HK$77,500/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,554
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,753
−HK$1,219/mo
Today · 4.125%
HK$40,972
baseline
▲ 0.50% · 4.625%
HK$43,465
+HK$2,493/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,944/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,891
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,041
−HK$1,167/mo
Today · 4.125%
HK$45,208
baseline
▲ 0.50% · 4.625%
HK$47,591
+HK$2,383/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,416/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,570
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,111
−HK$1,567/mo
Today · 4.125%
HK$52,678
baseline
▲ 0.50% · 4.625%
HK$55,883
+HK$3,205/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,356/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,146
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,625
−HK$1,500/mo
Today · 4.125%
HK$58,125
baseline
▲ 0.50% · 4.625%
HK$61,189
+HK$3,064/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,250/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,888 · Scale 2, in force from 26 Feb 2026)