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$27,510
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,366
−HK$870/mo
Today · 4.125%
HK$29,236
baseline
▲ 0.50% · 4.625%
HK$31,014
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,472/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,605
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,426
−HK$833/mo
Today · 4.125%
HK$32,259
baseline
▲ 0.50% · 4.625%
HK$33,959
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,518/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,013
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,039
−HK$1,044/mo
Today · 4.125%
HK$35,083
baseline
▲ 0.50% · 4.625%
HK$37,217
+HK$2,134/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,166/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,726
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,711
−HK$999/mo
Today · 4.125%
HK$38,710
baseline
▲ 0.50% · 4.625%
HK$40,751
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,420/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,515
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,713
−HK$1,217/mo
Today · 4.125%
HK$40,930
baseline
▲ 0.50% · 4.625%
HK$43,420
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,860/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,847
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,996
−HK$1,166/mo
Today · 4.125%
HK$45,162
baseline
▲ 0.50% · 4.625%
HK$47,543
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,324/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,519
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,059
−HK$1,565/mo
Today · 4.125%
HK$52,624
baseline
▲ 0.50% · 4.625%
HK$55,826
+HK$3,202/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,248/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,089
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,567
−HK$1,498/mo
Today · 4.125%
HK$58,065
baseline
▲ 0.50% · 4.625%
HK$61,126
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,130/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,424 · Scale 2, in force from 26 Feb 2026)