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$27,509
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,365
−HK$869/mo
Today · 4.125%
HK$29,234
baseline
▲ 0.50% · 4.625%
HK$31,013
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,468/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,604
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,425
−HK$832/mo
Today · 4.125%
HK$32,257
baseline
▲ 0.50% · 4.625%
HK$33,958
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,514/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,011
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,038
−HK$1,043/mo
Today · 4.125%
HK$35,081
baseline
▲ 0.50% · 4.625%
HK$37,216
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,162/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,725
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,710
−HK$999/mo
Today · 4.125%
HK$38,709
baseline
▲ 0.50% · 4.625%
HK$40,749
+HK$2,040/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,418/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,513
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,711
−HK$1,217/mo
Today · 4.125%
HK$40,928
baseline
▲ 0.50% · 4.625%
HK$43,419
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,856/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,845
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,995
−HK$1,165/mo
Today · 4.125%
HK$45,160
baseline
▲ 0.50% · 4.625%
HK$47,541
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,320/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,517
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,057
−HK$1,565/mo
Today · 4.125%
HK$52,622
baseline
▲ 0.50% · 4.625%
HK$55,824
+HK$3,202/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,244/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,087
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,564
−HK$1,499/mo
Today · 4.125%
HK$58,063
baseline
▲ 0.50% · 4.625%
HK$61,124
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,126/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,406 · Scale 2, in force from 26 Feb 2026)