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$27,525
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,381
−HK$870/mo
Today · 4.125%
HK$29,251
baseline
▲ 0.50% · 4.625%
HK$31,031
+HK$1,780/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$58,502/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,621
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,442
−HK$833/mo
Today · 4.125%
HK$32,275
baseline
▲ 0.50% · 4.625%
HK$33,977
+HK$1,702/mo
Deposit HK$6.04M · loan HK$6.04M · min. income ≈ HK$64,550/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,030
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,057
−HK$1,044/mo
Today · 4.125%
HK$35,101
baseline
▲ 0.50% · 4.625%
HK$37,237
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,202/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,745
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,731
−HK$999/mo
Today · 4.125%
HK$38,730
baseline
▲ 0.50% · 4.625%
HK$40,772
+HK$2,042/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,460/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,535
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,733
−HK$1,218/mo
Today · 4.125%
HK$40,951
baseline
▲ 0.50% · 4.625%
HK$43,443
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,902/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,869
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,019
−HK$1,167/mo
Today · 4.125%
HK$45,186
baseline
▲ 0.50% · 4.625%
HK$47,567
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,372/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,545
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,086
−HK$1,565/mo
Today · 4.125%
HK$52,651
baseline
▲ 0.50% · 4.625%
HK$55,855
+HK$3,204/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,302/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,118
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,596
−HK$1,500/mo
Today · 4.125%
HK$58,096
baseline
▲ 0.50% · 4.625%
HK$61,158
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,192/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,659 · Scale 2, in force from 26 Feb 2026)