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$27,498
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,353
−HK$869/mo
Today · 4.125%
HK$29,222
baseline
▲ 0.50% · 4.625%
HK$31,000
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,444/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,591
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,412
−HK$832/mo
Today · 4.125%
HK$32,244
baseline
▲ 0.50% · 4.625%
HK$33,943
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,488/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,997
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,024
−HK$1,043/mo
Today · 4.125%
HK$35,067
baseline
▲ 0.50% · 4.625%
HK$37,200
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,134/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,709
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,694
−HK$999/mo
Today · 4.125%
HK$38,693
baseline
▲ 0.50% · 4.625%
HK$40,732
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,386/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,497
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,694
−HK$1,217/mo
Today · 4.125%
HK$40,911
baseline
▲ 0.50% · 4.625%
HK$43,400
+HK$2,489/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,822/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,827
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,976
−HK$1,165/mo
Today · 4.125%
HK$45,141
baseline
▲ 0.50% · 4.625%
HK$47,521
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,282/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,496
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,036
−HK$1,564/mo
Today · 4.125%
HK$52,600
baseline
▲ 0.50% · 4.625%
HK$55,801
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,200/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,064
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,541
−HK$1,498/mo
Today · 4.125%
HK$58,039
baseline
▲ 0.50% · 4.625%
HK$61,098
+HK$3,059/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,078/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,217 · Scale 2, in force from 26 Feb 2026)