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$27,490
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,345
−HK$868/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,991
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,582
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$832/mo
Today · 4.125%
HK$32,234
baseline
▲ 0.50% · 4.625%
HK$33,933
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,468/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,987
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,014
−HK$1,042/mo
Today · 4.125%
HK$35,056
baseline
▲ 0.50% · 4.625%
HK$37,189
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,112/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,698
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,682
−HK$999/mo
Today · 4.125%
HK$38,681
baseline
▲ 0.50% · 4.625%
HK$40,720
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,362/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,485
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,682
−HK$1,217/mo
Today · 4.125%
HK$40,899
baseline
▲ 0.50% · 4.625%
HK$43,387
+HK$2,488/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,798/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,815
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,963
−HK$1,165/mo
Today · 4.125%
HK$45,128
baseline
▲ 0.50% · 4.625%
HK$47,506
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,256/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,481
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,020
−HK$1,564/mo
Today · 4.125%
HK$52,584
baseline
▲ 0.50% · 4.625%
HK$55,784
+HK$3,200/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,168/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,047
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,524
−HK$1,497/mo
Today · 4.125%
HK$58,021
baseline
▲ 0.50% · 4.625%
HK$61,080
+HK$3,059/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,042/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,080 · Scale 2, in force from 26 Feb 2026)