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$27,496
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,352
−HK$869/mo
Today · 4.125%
HK$29,221
baseline
▲ 0.50% · 4.625%
HK$30,999
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,442/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,410
−HK$832/mo
Today · 4.125%
HK$32,242
baseline
▲ 0.50% · 4.625%
HK$33,942
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,484/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,996
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,022
−HK$1,043/mo
Today · 4.125%
HK$35,065
baseline
▲ 0.50% · 4.625%
HK$37,198
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,130/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,707
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,692
−HK$998/mo
Today · 4.125%
HK$38,690
baseline
▲ 0.50% · 4.625%
HK$40,730
+HK$2,040/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,380/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,495
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,692
−HK$1,217/mo
Today · 4.125%
HK$40,909
baseline
▲ 0.50% · 4.625%
HK$43,398
+HK$2,489/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,818/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,825
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,974
−HK$1,165/mo
Today · 4.125%
HK$45,139
baseline
▲ 0.50% · 4.625%
HK$47,518
+HK$2,379/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,278/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,493
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,033
−HK$1,564/mo
Today · 4.125%
HK$52,597
baseline
▲ 0.50% · 4.625%
HK$55,797
+HK$3,200/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,194/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,061
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,538
−HK$1,498/mo
Today · 4.125%
HK$58,036
baseline
▲ 0.50% · 4.625%
HK$61,095
+HK$3,059/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,072/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,192 · Scale 2, in force from 26 Feb 2026)