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$27,534
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,390
−HK$871/mo
Today · 4.125%
HK$29,261
baseline
▲ 0.50% · 4.625%
HK$31,041
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,522/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,631
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,453
−HK$833/mo
Today · 4.125%
HK$32,286
baseline
▲ 0.50% · 4.625%
HK$33,988
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,572/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,041
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,069
−HK$1,044/mo
Today · 4.125%
HK$35,113
baseline
▲ 0.50% · 4.625%
HK$37,249
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,226/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,758
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,000/mo
Today · 4.125%
HK$38,743
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,043/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,486/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,548
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,747
−HK$1,218/mo
Today · 4.125%
HK$40,965
baseline
▲ 0.50% · 4.625%
HK$43,458
+HK$2,493/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,930/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,884
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,034
−HK$1,167/mo
Today · 4.125%
HK$45,201
baseline
▲ 0.50% · 4.625%
HK$47,583
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,402/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$452,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,561
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,103
−HK$1,566/mo
Today · 4.125%
HK$52,669
baseline
▲ 0.50% · 4.625%
HK$55,874
+HK$3,205/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,338/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,136
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,615
−HK$1,500/mo
Today · 4.125%
HK$58,115
baseline
▲ 0.50% · 4.625%
HK$61,179
+HK$3,064/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,230/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,812 · Scale 2, in force from 26 Feb 2026)