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$27,527
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,384
−HK$870/mo
Today · 4.125%
HK$29,254
baseline
▲ 0.50% · 4.625%
HK$31,034
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,508/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,624
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$834/mo
Today · 4.125%
HK$32,279
baseline
▲ 0.50% · 4.625%
HK$33,980
+HK$1,701/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,558/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,060
−HK$1,044/mo
Today · 4.125%
HK$35,104
baseline
▲ 0.50% · 4.625%
HK$37,240
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,208/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,749
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,734
−HK$1,000/mo
Today · 4.125%
HK$38,734
baseline
▲ 0.50% · 4.625%
HK$40,776
+HK$2,042/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,468/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,538
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,737
−HK$1,218/mo
Today · 4.125%
HK$40,955
baseline
▲ 0.50% · 4.625%
HK$43,447
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,910/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,874
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,023
−HK$1,167/mo
Today · 4.125%
HK$45,190
baseline
▲ 0.50% · 4.625%
HK$47,572
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,380/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,549
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,091
−HK$1,566/mo
Today · 4.125%
HK$52,657
baseline
▲ 0.50% · 4.625%
HK$55,861
+HK$3,204/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,314/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,123
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,602
−HK$1,499/mo
Today · 4.125%
HK$58,101
baseline
▲ 0.50% · 4.625%
HK$61,164
+HK$3,063/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,202/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,703 · Scale 2, in force from 26 Feb 2026)