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$27,510
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,366
−HK$869/mo
Today · 4.125%
HK$29,235
baseline
▲ 0.50% · 4.625%
HK$31,014
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,470/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,605
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,425
−HK$833/mo
Today · 4.125%
HK$32,258
baseline
▲ 0.50% · 4.625%
HK$33,958
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,516/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,012
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,039
−HK$1,043/mo
Today · 4.125%
HK$35,082
baseline
▲ 0.50% · 4.625%
HK$37,217
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,164/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,725
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,710
−HK$1,000/mo
Today · 4.125%
HK$38,710
baseline
▲ 0.50% · 4.625%
HK$40,750
+HK$2,040/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,420/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,514
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,712
−HK$1,217/mo
Today · 4.125%
HK$40,929
baseline
▲ 0.50% · 4.625%
HK$43,420
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,858/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,846
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,995
−HK$1,166/mo
Today · 4.125%
HK$45,161
baseline
▲ 0.50% · 4.625%
HK$47,542
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,322/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,518
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,058
−HK$1,565/mo
Today · 4.125%
HK$52,623
baseline
▲ 0.50% · 4.625%
HK$55,825
+HK$3,202/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,246/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,088
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,566
−HK$1,498/mo
Today · 4.125%
HK$58,064
baseline
▲ 0.50% · 4.625%
HK$61,125
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,128/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,416 · Scale 2, in force from 26 Feb 2026)