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$27,521
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$28,377
−HK$870/mo
Today · 4.125%
HK$29,247
baseline
▲ 0.50% · 4.625%
HK$31,026
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,494/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,617
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,438
−HK$833/mo
Today · 4.125%
HK$32,271
baseline
▲ 0.50% · 4.625%
HK$33,972
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,542/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,025
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,052
−HK$1,044/mo
Today · 4.125%
HK$35,096
baseline
▲ 0.50% · 4.625%
HK$37,232
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,192/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,740
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,726
−HK$999/mo
Today · 4.125%
HK$38,725
baseline
▲ 0.50% · 4.625%
HK$40,766
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,450/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,529
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,728
−HK$1,217/mo
Today · 4.125%
HK$40,945
baseline
▲ 0.50% · 4.625%
HK$43,437
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,890/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,864
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,013
−HK$1,166/mo
Today · 4.125%
HK$45,179
baseline
▲ 0.50% · 4.625%
HK$47,561
+HK$2,382/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,358/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,538
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,079
−HK$1,565/mo
Today · 4.125%
HK$52,644
baseline
▲ 0.50% · 4.625%
HK$55,847
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,288/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,110
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$56,588
−HK$1,500/mo
Today · 4.125%
HK$58,088
baseline
▲ 0.50% · 4.625%
HK$61,150
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,176/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,597 · Scale 2, in force from 26 Feb 2026)