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$27,532
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,388
−HK$870/mo
Today · 4.125%
HK$29,258
baseline
▲ 0.50% · 4.625%
HK$31,039
+HK$1,781/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,516/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,629
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,450
−HK$834/mo
Today · 4.125%
HK$32,284
baseline
▲ 0.50% · 4.625%
HK$33,986
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,568/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,038
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,066
−HK$1,044/mo
Today · 4.125%
HK$35,110
baseline
▲ 0.50% · 4.625%
HK$37,246
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,220/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,755
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,741
−HK$1,000/mo
Today · 4.125%
HK$38,741
baseline
▲ 0.50% · 4.625%
HK$40,783
+HK$2,042/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,482/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,545
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,744
−HK$1,218/mo
Today · 4.125%
HK$40,962
baseline
▲ 0.50% · 4.625%
HK$43,454
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,924/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,881
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,031
−HK$1,166/mo
Today · 4.125%
HK$45,197
baseline
▲ 0.50% · 4.625%
HK$47,580
+HK$2,383/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,394/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,558
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,099
−HK$1,566/mo
Today · 4.125%
HK$52,665
baseline
▲ 0.50% · 4.625%
HK$55,870
+HK$3,205/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$105,330/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,132
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,611
−HK$1,500/mo
Today · 4.125%
HK$58,111
baseline
▲ 0.50% · 4.625%
HK$61,174
+HK$3,063/mo
Deposit HK$1.21M · loan HK$10.87M · min. income ≈ HK$116,222/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,778 · Scale 2, in force from 26 Feb 2026)