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$27,512
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,367
−HK$870/mo
Today · 4.125%
HK$29,237
baseline
▲ 0.50% · 4.625%
HK$31,016
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,474/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,606
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,427
−HK$833/mo
Today · 4.125%
HK$32,260
baseline
▲ 0.50% · 4.625%
HK$33,960
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,520/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,014
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,041
−HK$1,043/mo
Today · 4.125%
HK$35,084
baseline
▲ 0.50% · 4.625%
HK$37,219
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,168/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,728
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,713
−HK$999/mo
Today · 4.125%
HK$38,712
baseline
▲ 0.50% · 4.625%
HK$40,753
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,424/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,516
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,714
−HK$1,218/mo
Today · 4.125%
HK$40,932
baseline
▲ 0.50% · 4.625%
HK$43,422
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,864/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,849
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,998
−HK$1,166/mo
Today · 4.125%
HK$45,164
baseline
▲ 0.50% · 4.625%
HK$47,545
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,328/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,521
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,061
−HK$1,565/mo
Today · 4.125%
HK$52,626
baseline
▲ 0.50% · 4.625%
HK$55,829
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,252/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,092
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,569
−HK$1,499/mo
Today · 4.125%
HK$58,068
baseline
▲ 0.50% · 4.625%
HK$61,129
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,136/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,444 · Scale 2, in force from 26 Feb 2026)