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$27,519
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,375
−HK$869/mo
Today · 4.125%
HK$29,244
baseline
▲ 0.50% · 4.625%
HK$31,024
+HK$1,780/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,488/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,614
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,435
−HK$833/mo
Today · 4.125%
HK$32,268
baseline
▲ 0.50% · 4.625%
HK$33,969
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,536/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,023
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,050
−HK$1,043/mo
Today · 4.125%
HK$35,093
baseline
▲ 0.50% · 4.625%
HK$37,229
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,186/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,737
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,723
−HK$999/mo
Today · 4.125%
HK$38,722
baseline
▲ 0.50% · 4.625%
HK$40,763
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,444/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,526
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,725
−HK$1,217/mo
Today · 4.125%
HK$40,942
baseline
▲ 0.50% · 4.625%
HK$43,433
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,884/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,860
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,010
−HK$1,166/mo
Today · 4.125%
HK$45,176
baseline
▲ 0.50% · 4.625%
HK$47,557
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,352/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,534
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,075
−HK$1,565/mo
Today · 4.125%
HK$52,640
baseline
▲ 0.50% · 4.625%
HK$55,843
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,280/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,106
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,584
−HK$1,499/mo
Today · 4.125%
HK$58,083
baseline
▲ 0.50% · 4.625%
HK$61,145
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,166/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,561 · Scale 2, in force from 26 Feb 2026)