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$27,506
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,361
−HK$870/mo
Today · 4.125%
HK$29,231
baseline
▲ 0.50% · 4.625%
HK$31,009
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,462/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,600
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,420
−HK$833/mo
Today · 4.125%
HK$32,253
baseline
▲ 0.50% · 4.625%
HK$33,953
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,506/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,007
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,034
−HK$1,043/mo
Today · 4.125%
HK$35,077
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$2,134/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,154/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,720
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,705
−HK$999/mo
Today · 4.125%
HK$38,704
baseline
▲ 0.50% · 4.625%
HK$40,744
+HK$2,040/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,408/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,508
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,706
−HK$1,217/mo
Today · 4.125%
HK$40,923
baseline
▲ 0.50% · 4.625%
HK$43,413
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,846/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,840
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,989
−HK$1,165/mo
Today · 4.125%
HK$45,154
baseline
▲ 0.50% · 4.625%
HK$47,534
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,308/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,510
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,050
−HK$1,565/mo
Today · 4.125%
HK$52,615
baseline
▲ 0.50% · 4.625%
HK$55,816
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,230/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,080
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,557
−HK$1,498/mo
Today · 4.125%
HK$58,055
baseline
▲ 0.50% · 4.625%
HK$61,116
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,110/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,346 · Scale 2, in force from 26 Feb 2026)