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$27,501
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,357
−HK$869/mo
Today · 4.125%
HK$29,226
baseline
▲ 0.50% · 4.625%
HK$31,004
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,452/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,595
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,416
−HK$832/mo
Today · 4.125%
HK$32,248
baseline
▲ 0.50% · 4.625%
HK$33,948
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,496/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,002
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,028
−HK$1,043/mo
Today · 4.125%
HK$35,071
baseline
▲ 0.50% · 4.625%
HK$37,205
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,142/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,714
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,699
−HK$999/mo
Today · 4.125%
HK$38,698
baseline
▲ 0.50% · 4.625%
HK$40,737
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,396/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,502
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,700
−HK$1,216/mo
Today · 4.125%
HK$40,916
baseline
▲ 0.50% · 4.625%
HK$43,406
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,832/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,833
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,982
−HK$1,165/mo
Today · 4.125%
HK$45,147
baseline
▲ 0.50% · 4.625%
HK$47,527
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,294/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,503
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,042
−HK$1,565/mo
Today · 4.125%
HK$52,607
baseline
▲ 0.50% · 4.625%
HK$55,808
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,214/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,071
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,548
−HK$1,498/mo
Today · 4.125%
HK$58,046
baseline
▲ 0.50% · 4.625%
HK$61,106
+HK$3,060/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,092/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,275 · Scale 2, in force from 26 Feb 2026)