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$27,514
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,370
−HK$869/mo
Today · 4.125%
HK$29,239
baseline
▲ 0.50% · 4.625%
HK$31,018
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,478/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,609
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,430
−HK$833/mo
Today · 4.125%
HK$32,263
baseline
▲ 0.50% · 4.625%
HK$33,963
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,526/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,017
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,044
−HK$1,043/mo
Today · 4.125%
HK$35,087
baseline
▲ 0.50% · 4.625%
HK$37,222
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,174/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,731
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,716
−HK$999/mo
Today · 4.125%
HK$38,715
baseline
▲ 0.50% · 4.625%
HK$40,756
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,430/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,519
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,718
−HK$1,217/mo
Today · 4.125%
HK$40,935
baseline
▲ 0.50% · 4.625%
HK$43,426
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,870/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,852
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,002
−HK$1,166/mo
Today · 4.125%
HK$45,168
baseline
▲ 0.50% · 4.625%
HK$47,548
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,336/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,525
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,065
−HK$1,566/mo
Today · 4.125%
HK$52,631
baseline
▲ 0.50% · 4.625%
HK$55,833
+HK$3,202/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,262/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,096
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,574
−HK$1,499/mo
Today · 4.125%
HK$58,073
baseline
▲ 0.50% · 4.625%
HK$61,134
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,146/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,480 · Scale 2, in force from 26 Feb 2026)