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$27,520
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,376
−HK$870/mo
Today · 4.125%
HK$29,246
baseline
▲ 0.50% · 4.625%
HK$31,026
+HK$1,780/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,492/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,616
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$833/mo
Today · 4.125%
HK$32,270
baseline
▲ 0.50% · 4.625%
HK$33,971
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,540/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,024
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,052
−HK$1,043/mo
Today · 4.125%
HK$35,095
baseline
▲ 0.50% · 4.625%
HK$37,231
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,190/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,739
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,725
−HK$999/mo
Today · 4.125%
HK$38,724
baseline
▲ 0.50% · 4.625%
HK$40,765
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,448/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,528
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,727
−HK$1,218/mo
Today · 4.125%
HK$40,945
baseline
▲ 0.50% · 4.625%
HK$43,436
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,890/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,863
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,012
−HK$1,166/mo
Today · 4.125%
HK$45,178
baseline
▲ 0.50% · 4.625%
HK$47,560
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,356/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,537
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,078
−HK$1,565/mo
Today · 4.125%
HK$52,643
baseline
▲ 0.50% · 4.625%
HK$55,846
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,286/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,109
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,587
−HK$1,499/mo
Today · 4.125%
HK$58,086
baseline
▲ 0.50% · 4.625%
HK$61,148
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,172/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,587 · Scale 2, in force from 26 Feb 2026)