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$27,504
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,359
−HK$869/mo
Today · 4.125%
HK$29,228
baseline
▲ 0.50% · 4.625%
HK$31,007
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,456/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,598
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,418
−HK$833/mo
Today · 4.125%
HK$32,251
baseline
▲ 0.50% · 4.625%
HK$33,951
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,502/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,004
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,031
−HK$1,043/mo
Today · 4.125%
HK$35,074
baseline
▲ 0.50% · 4.625%
HK$37,208
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,148/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,717
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,702
−HK$999/mo
Today · 4.125%
HK$38,701
baseline
▲ 0.50% · 4.625%
HK$40,741
+HK$2,040/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,402/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,505
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,703
−HK$1,217/mo
Today · 4.125%
HK$40,920
baseline
▲ 0.50% · 4.625%
HK$43,410
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,840/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,837
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,985
−HK$1,166/mo
Today · 4.125%
HK$45,151
baseline
▲ 0.50% · 4.625%
HK$47,531
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,302/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,507
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,047
−HK$1,564/mo
Today · 4.125%
HK$52,611
baseline
▲ 0.50% · 4.625%
HK$55,812
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,222/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,076
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,553
−HK$1,498/mo
Today · 4.125%
HK$58,051
baseline
▲ 0.50% · 4.625%
HK$61,111
+HK$3,060/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,102/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,312 · Scale 2, in force from 26 Feb 2026)