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$27,499
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,355
−HK$869/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$31,002
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,593
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,413
−HK$833/mo
Today · 4.125%
HK$32,246
baseline
▲ 0.50% · 4.625%
HK$33,945
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,492/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,999
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,026
−HK$1,043/mo
Today · 4.125%
HK$35,069
baseline
▲ 0.50% · 4.625%
HK$37,203
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,138/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,711
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,696
−HK$999/mo
Today · 4.125%
HK$38,695
baseline
▲ 0.50% · 4.625%
HK$40,734
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,390/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,499
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,697
−HK$1,216/mo
Today · 4.125%
HK$40,913
baseline
▲ 0.50% · 4.625%
HK$43,403
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,826/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,830
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,979
−HK$1,165/mo
Today · 4.125%
HK$45,144
baseline
▲ 0.50% · 4.625%
HK$47,524
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,288/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,499
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,039
−HK$1,564/mo
Today · 4.125%
HK$52,603
baseline
▲ 0.50% · 4.625%
HK$55,804
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,206/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,067
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,544
−HK$1,498/mo
Today · 4.125%
HK$58,042
baseline
▲ 0.50% · 4.625%
HK$61,102
+HK$3,060/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,084/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,243 · Scale 2, in force from 26 Feb 2026)