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$27,487
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,342
−HK$869/mo
Today · 4.125%
HK$29,211
baseline
▲ 0.50% · 4.625%
HK$30,988
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,422/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,579
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,399
−HK$832/mo
Today · 4.125%
HK$32,231
baseline
▲ 0.50% · 4.625%
HK$33,930
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,462/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,985
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,011
−HK$1,042/mo
Today · 4.125%
HK$35,053
baseline
▲ 0.50% · 4.625%
HK$37,186
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,106/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,695
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,679
−HK$998/mo
Today · 4.125%
HK$38,677
baseline
▲ 0.50% · 4.625%
HK$40,716
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,354/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,482
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,679
−HK$1,216/mo
Today · 4.125%
HK$40,895
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,488/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,790/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,811
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,959
−HK$1,165/mo
Today · 4.125%
HK$45,124
baseline
▲ 0.50% · 4.625%
HK$47,502
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,248/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,477
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,016
−HK$1,563/mo
Today · 4.125%
HK$52,579
baseline
▲ 0.50% · 4.625%
HK$55,779
+HK$3,200/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,158/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,042
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,519
−HK$1,497/mo
Today · 4.125%
HK$58,016
baseline
▲ 0.50% · 4.625%
HK$61,074
+HK$3,058/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,032/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,040 · Scale 2, in force from 26 Feb 2026)