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$27,505
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,360
−HK$870/mo
Today · 4.125%
HK$29,230
baseline
▲ 0.50% · 4.625%
HK$31,008
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,460/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,599
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,419
−HK$833/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$33,952
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,006
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,032
−HK$1,043/mo
Today · 4.125%
HK$35,075
baseline
▲ 0.50% · 4.625%
HK$37,210
+HK$2,135/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,150/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,719
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,703
−HK$999/mo
Today · 4.125%
HK$38,702
baseline
▲ 0.50% · 4.625%
HK$40,742
+HK$2,040/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,404/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,507
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,704
−HK$1,217/mo
Today · 4.125%
HK$40,921
baseline
▲ 0.50% · 4.625%
HK$43,411
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,842/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,838
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,987
−HK$1,166/mo
Today · 4.125%
HK$45,153
baseline
▲ 0.50% · 4.625%
HK$47,533
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,306/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,509
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,049
−HK$1,564/mo
Today · 4.125%
HK$52,613
baseline
▲ 0.50% · 4.625%
HK$55,815
+HK$3,202/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,226/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,078
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,555
−HK$1,499/mo
Today · 4.125%
HK$58,054
baseline
▲ 0.50% · 4.625%
HK$61,114
+HK$3,060/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,108/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,331 · Scale 2, in force from 26 Feb 2026)