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$27,526
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,382
−HK$870/mo
Today · 4.125%
HK$29,252
baseline
▲ 0.50% · 4.625%
HK$31,032
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,504/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,623
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,444
−HK$833/mo
Today · 4.125%
HK$32,277
baseline
▲ 0.50% · 4.625%
HK$33,979
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,554/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,032
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,059
−HK$1,044/mo
Today · 4.125%
HK$35,103
baseline
▲ 0.50% · 4.625%
HK$37,239
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,206/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,747
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,733
−HK$1,000/mo
Today · 4.125%
HK$38,733
baseline
▲ 0.50% · 4.625%
HK$40,774
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,466/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,537
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,735
−HK$1,218/mo
Today · 4.125%
HK$40,953
baseline
▲ 0.50% · 4.625%
HK$43,445
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,906/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,872
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,022
−HK$1,166/mo
Today · 4.125%
HK$45,188
baseline
▲ 0.50% · 4.625%
HK$47,570
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,376/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,547
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,088
−HK$1,566/mo
Today · 4.125%
HK$52,654
baseline
▲ 0.50% · 4.625%
HK$55,858
+HK$3,204/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,308/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,121
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,599
−HK$1,500/mo
Today · 4.125%
HK$58,099
baseline
▲ 0.50% · 4.625%
HK$61,161
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,198/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,684 · Scale 2, in force from 26 Feb 2026)