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$27,488
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,343
−HK$869/mo
Today · 4.125%
HK$29,212
baseline
▲ 0.50% · 4.625%
HK$30,989
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,424/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,580
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,400
−HK$832/mo
Today · 4.125%
HK$32,232
baseline
▲ 0.50% · 4.625%
HK$33,931
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,464/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,986
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,012
−HK$1,042/mo
Today · 4.125%
HK$35,054
baseline
▲ 0.50% · 4.625%
HK$37,187
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,108/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,696
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,681
−HK$998/mo
Today · 4.125%
HK$38,679
baseline
▲ 0.50% · 4.625%
HK$40,718
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,358/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,483
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,680
−HK$1,217/mo
Today · 4.125%
HK$40,897
baseline
▲ 0.50% · 4.625%
HK$43,385
+HK$2,488/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,794/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,812
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,961
−HK$1,164/mo
Today · 4.125%
HK$45,125
baseline
▲ 0.50% · 4.625%
HK$47,504
+HK$2,379/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,250/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,479
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,018
−HK$1,563/mo
Today · 4.125%
HK$52,581
baseline
▲ 0.50% · 4.625%
HK$55,781
+HK$3,200/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,162/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,045
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,521
−HK$1,497/mo
Today · 4.125%
HK$58,018
baseline
▲ 0.50% · 4.625%
HK$61,077
+HK$3,059/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,036/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,057 · Scale 2, in force from 26 Feb 2026)