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$27,491
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,346
−HK$869/mo
Today · 4.125%
HK$29,215
baseline
▲ 0.50% · 4.625%
HK$30,993
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,430/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,584
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,404
−HK$832/mo
Today · 4.125%
HK$32,236
baseline
▲ 0.50% · 4.625%
HK$33,935
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,472/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,989
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,016
−HK$1,042/mo
Today · 4.125%
HK$35,058
baseline
▲ 0.50% · 4.625%
HK$37,191
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,116/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,700
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,685
−HK$998/mo
Today · 4.125%
HK$38,683
baseline
▲ 0.50% · 4.625%
HK$40,722
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,366/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,488
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,685
−HK$1,216/mo
Today · 4.125%
HK$40,901
baseline
▲ 0.50% · 4.625%
HK$43,390
+HK$2,489/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,802/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,817
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,965
−HK$1,165/mo
Today · 4.125%
HK$45,130
baseline
▲ 0.50% · 4.625%
HK$47,509
+HK$2,379/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,260/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,484
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,023
−HK$1,564/mo
Today · 4.125%
HK$52,587
baseline
▲ 0.50% · 4.625%
HK$55,787
+HK$3,200/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,174/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,051
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,527
−HK$1,498/mo
Today · 4.125%
HK$58,025
baseline
▲ 0.50% · 4.625%
HK$61,083
+HK$3,058/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,050/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,107 · Scale 2, in force from 26 Feb 2026)