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$27,502
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,358
−HK$869/mo
Today · 4.125%
HK$29,227
baseline
▲ 0.50% · 4.625%
HK$31,005
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,454/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,596
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,416
−HK$833/mo
Today · 4.125%
HK$32,249
baseline
▲ 0.50% · 4.625%
HK$33,949
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,498/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,003
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,029
−HK$1,043/mo
Today · 4.125%
HK$35,072
baseline
▲ 0.50% · 4.625%
HK$37,206
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,144/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,715
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,700
−HK$999/mo
Today · 4.125%
HK$38,699
baseline
▲ 0.50% · 4.625%
HK$40,738
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,398/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,503
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,701
−HK$1,216/mo
Today · 4.125%
HK$40,917
baseline
▲ 0.50% · 4.625%
HK$43,407
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,834/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,834
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,983
−HK$1,165/mo
Today · 4.125%
HK$45,148
baseline
▲ 0.50% · 4.625%
HK$47,528
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,296/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,504
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,044
−HK$1,564/mo
Today · 4.125%
HK$52,608
baseline
▲ 0.50% · 4.625%
HK$55,809
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,216/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,072
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$56,549
−HK$1,499/mo
Today · 4.125%
HK$58,048
baseline
▲ 0.50% · 4.625%
HK$61,108
+HK$3,060/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,096/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,287 · Scale 2, in force from 26 Feb 2026)