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$27,516
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,372
−HK$870/mo
Today · 4.125%
HK$29,242
baseline
▲ 0.50% · 4.625%
HK$31,021
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,484/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,611
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,432
−HK$833/mo
Today · 4.125%
HK$32,265
baseline
▲ 0.50% · 4.625%
HK$33,966
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,530/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,019
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,046
−HK$1,044/mo
Today · 4.125%
HK$35,090
baseline
▲ 0.50% · 4.625%
HK$37,225
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,180/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,734
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,719
−HK$999/mo
Today · 4.125%
HK$38,718
baseline
▲ 0.50% · 4.625%
HK$40,759
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,436/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,522
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,721
−HK$1,217/mo
Today · 4.125%
HK$40,938
baseline
▲ 0.50% · 4.625%
HK$43,429
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,876/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,856
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,005
−HK$1,166/mo
Today · 4.125%
HK$45,171
baseline
▲ 0.50% · 4.625%
HK$47,552
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,342/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,529
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,070
−HK$1,565/mo
Today · 4.125%
HK$52,635
baseline
▲ 0.50% · 4.625%
HK$55,837
+HK$3,202/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,270/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,100
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,578
−HK$1,499/mo
Today · 4.125%
HK$58,077
baseline
▲ 0.50% · 4.625%
HK$61,139
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,154/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,516 · Scale 2, in force from 26 Feb 2026)