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$27,482
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,336
−HK$869/mo
Today · 4.125%
HK$29,205
baseline
▲ 0.50% · 4.625%
HK$30,982
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,410/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,573
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,393
−HK$832/mo
Today · 4.125%
HK$32,225
baseline
▲ 0.50% · 4.625%
HK$33,923
+HK$1,698/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,450/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,978
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$34,004
−HK$1,042/mo
Today · 4.125%
HK$35,046
baseline
▲ 0.50% · 4.625%
HK$37,178
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,092/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,688
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,672
−HK$998/mo
Today · 4.125%
HK$38,670
baseline
▲ 0.50% · 4.625%
HK$40,708
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,340/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,474
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,671
−HK$1,216/mo
Today · 4.125%
HK$40,887
baseline
▲ 0.50% · 4.625%
HK$43,375
+HK$2,488/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,774/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,802
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,950
−HK$1,165/mo
Today · 4.125%
HK$45,115
baseline
▲ 0.50% · 4.625%
HK$47,493
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,230/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,467
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,006
−HK$1,563/mo
Today · 4.125%
HK$52,569
baseline
▲ 0.50% · 4.625%
HK$55,768
+HK$3,199/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,138/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,031
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,507
−HK$1,498/mo
Today · 4.125%
HK$58,005
baseline
▲ 0.50% · 4.625%
HK$61,062
+HK$3,057/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,010/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,949 · Scale 2, in force from 26 Feb 2026)