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$27,503
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,358
−HK$869/mo
Today · 4.125%
HK$29,227
baseline
▲ 0.50% · 4.625%
HK$31,006
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,454/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,596
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,417
−HK$832/mo
Today · 4.125%
HK$32,249
baseline
▲ 0.50% · 4.625%
HK$33,949
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,498/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,003
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,030
−HK$1,043/mo
Today · 4.125%
HK$35,073
baseline
▲ 0.50% · 4.625%
HK$37,207
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,146/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,716
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,700
−HK$999/mo
Today · 4.125%
HK$38,699
baseline
▲ 0.50% · 4.625%
HK$40,739
+HK$2,040/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,398/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,504
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,701
−HK$1,217/mo
Today · 4.125%
HK$40,918
baseline
▲ 0.50% · 4.625%
HK$43,408
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,836/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,835
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,984
−HK$1,165/mo
Today · 4.125%
HK$45,149
baseline
▲ 0.50% · 4.625%
HK$47,529
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,298/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,505
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,044
−HK$1,565/mo
Today · 4.125%
HK$52,609
baseline
▲ 0.50% · 4.625%
HK$55,810
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,218/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,073
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,550
−HK$1,499/mo
Today · 4.125%
HK$58,049
baseline
▲ 0.50% · 4.625%
HK$61,109
+HK$3,060/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,098/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,294 · Scale 2, in force from 26 Feb 2026)