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$27,504
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,360
−HK$869/mo
Today · 4.125%
HK$29,229
baseline
▲ 0.50% · 4.625%
HK$31,007
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,458/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,598
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,419
−HK$832/mo
Today · 4.125%
HK$32,251
baseline
▲ 0.50% · 4.625%
HK$33,951
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,502/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,005
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,032
−HK$1,043/mo
Today · 4.125%
HK$35,075
baseline
▲ 0.50% · 4.625%
HK$37,209
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,150/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,718
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,702
−HK$999/mo
Today · 4.125%
HK$38,701
baseline
▲ 0.50% · 4.625%
HK$40,741
+HK$2,040/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,402/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,506
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,704
−HK$1,216/mo
Today · 4.125%
HK$40,920
baseline
▲ 0.50% · 4.625%
HK$43,410
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,840/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,837
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,986
−HK$1,166/mo
Today · 4.125%
HK$45,152
baseline
▲ 0.50% · 4.625%
HK$47,532
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,304/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,507
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,047
−HK$1,565/mo
Today · 4.125%
HK$52,612
baseline
▲ 0.50% · 4.625%
HK$55,813
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,224/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,077
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,554
−HK$1,498/mo
Today · 4.125%
HK$58,052
baseline
▲ 0.50% · 4.625%
HK$61,112
+HK$3,060/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,104/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,320 · Scale 2, in force from 26 Feb 2026)