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$27,523
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,379
−HK$870/mo
Today · 4.125%
HK$29,249
baseline
▲ 0.50% · 4.625%
HK$31,029
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,498/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,619
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,441
−HK$833/mo
Today · 4.125%
HK$32,274
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,701/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,548/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,028
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,055
−HK$1,044/mo
Today · 4.125%
HK$35,099
baseline
▲ 0.50% · 4.625%
HK$37,235
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,198/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,743
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,729
−HK$999/mo
Today · 4.125%
HK$38,728
baseline
▲ 0.50% · 4.625%
HK$40,770
+HK$2,042/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,456/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,533
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,731
−HK$1,218/mo
Today · 4.125%
HK$40,949
baseline
▲ 0.50% · 4.625%
HK$43,441
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,898/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,867
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,017
−HK$1,166/mo
Today · 4.125%
HK$45,183
baseline
▲ 0.50% · 4.625%
HK$47,565
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,366/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,542
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,083
−HK$1,566/mo
Today · 4.125%
HK$52,649
baseline
▲ 0.50% · 4.625%
HK$55,852
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,298/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,115
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,593
−HK$1,500/mo
Today · 4.125%
HK$58,093
baseline
▲ 0.50% · 4.625%
HK$61,155
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,186/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,636 · Scale 2, in force from 26 Feb 2026)