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$27,515
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,371
−HK$870/mo
Today · 4.125%
HK$29,241
baseline
▲ 0.50% · 4.625%
HK$31,020
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,482/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,610
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,431
−HK$833/mo
Today · 4.125%
HK$32,264
baseline
▲ 0.50% · 4.625%
HK$33,965
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,528/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,018
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,045
−HK$1,044/mo
Today · 4.125%
HK$35,089
baseline
▲ 0.50% · 4.625%
HK$37,224
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,178/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,733
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,718
−HK$999/mo
Today · 4.125%
HK$38,717
baseline
▲ 0.50% · 4.625%
HK$40,758
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,434/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,521
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,720
−HK$1,217/mo
Today · 4.125%
HK$40,937
baseline
▲ 0.50% · 4.625%
HK$43,428
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,874/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,855
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,004
−HK$1,166/mo
Today · 4.125%
HK$45,170
baseline
▲ 0.50% · 4.625%
HK$47,551
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,340/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,527
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,068
−HK$1,565/mo
Today · 4.125%
HK$52,633
baseline
▲ 0.50% · 4.625%
HK$55,836
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,266/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,099
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,577
−HK$1,499/mo
Today · 4.125%
HK$58,076
baseline
▲ 0.50% · 4.625%
HK$61,137
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,152/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,503 · Scale 2, in force from 26 Feb 2026)