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$27,499
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,354
−HK$869/mo
Today · 4.125%
HK$29,223
baseline
▲ 0.50% · 4.625%
HK$31,001
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,446/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,592
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,412
−HK$833/mo
Today · 4.125%
HK$32,245
baseline
▲ 0.50% · 4.625%
HK$33,944
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,490/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,998
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,025
−HK$1,043/mo
Today · 4.125%
HK$35,068
baseline
▲ 0.50% · 4.625%
HK$37,201
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,136/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,710
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,695
−HK$999/mo
Today · 4.125%
HK$38,694
baseline
▲ 0.50% · 4.625%
HK$40,733
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,388/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,498
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,696
−HK$1,216/mo
Today · 4.125%
HK$40,912
baseline
▲ 0.50% · 4.625%
HK$43,402
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,824/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,829
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,977
−HK$1,166/mo
Today · 4.125%
HK$45,143
baseline
▲ 0.50% · 4.625%
HK$47,522
+HK$2,379/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,286/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,498
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,037
−HK$1,564/mo
Today · 4.125%
HK$52,601
baseline
▲ 0.50% · 4.625%
HK$55,802
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,202/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,066
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,542
−HK$1,499/mo
Today · 4.125%
HK$58,041
baseline
▲ 0.50% · 4.625%
HK$61,100
+HK$3,059/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,082/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,230 · Scale 2, in force from 26 Feb 2026)