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$27,493
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,348
−HK$869/mo
Today · 4.125%
HK$29,217
baseline
▲ 0.50% · 4.625%
HK$30,994
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,434/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,585
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,405
−HK$833/mo
Today · 4.125%
HK$32,238
baseline
▲ 0.50% · 4.625%
HK$33,937
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,476/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,991
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,017
−HK$1,043/mo
Today · 4.125%
HK$35,060
baseline
▲ 0.50% · 4.625%
HK$37,193
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,120/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,702
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,687
−HK$998/mo
Today · 4.125%
HK$38,685
baseline
▲ 0.50% · 4.625%
HK$40,724
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,370/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,490
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,687
−HK$1,216/mo
Today · 4.125%
HK$40,903
baseline
▲ 0.50% · 4.625%
HK$43,392
+HK$2,489/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,806/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,819
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,968
−HK$1,165/mo
Today · 4.125%
HK$45,133
baseline
▲ 0.50% · 4.625%
HK$47,512
+HK$2,379/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,266/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,487
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,026
−HK$1,564/mo
Today · 4.125%
HK$52,590
baseline
▲ 0.50% · 4.625%
HK$55,790
+HK$3,200/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,180/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,053
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,530
−HK$1,498/mo
Today · 4.125%
HK$58,028
baseline
▲ 0.50% · 4.625%
HK$61,086
+HK$3,058/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,056/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,130 · Scale 2, in force from 26 Feb 2026)