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$27,500
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,355
−HK$869/mo
Today · 4.125%
HK$29,224
baseline
▲ 0.50% · 4.625%
HK$31,003
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,448/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,593
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,414
−HK$832/mo
Today · 4.125%
HK$32,246
baseline
▲ 0.50% · 4.625%
HK$33,946
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,492/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,000
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,026
−HK$1,043/mo
Today · 4.125%
HK$35,069
baseline
▲ 0.50% · 4.625%
HK$37,203
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,138/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,712
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,697
−HK$998/mo
Today · 4.125%
HK$38,695
baseline
▲ 0.50% · 4.625%
HK$40,735
+HK$2,040/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,390/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,500
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,697
−HK$1,217/mo
Today · 4.125%
HK$40,914
baseline
▲ 0.50% · 4.625%
HK$43,404
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,828/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,831
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,979
−HK$1,166/mo
Today · 4.125%
HK$45,145
baseline
▲ 0.50% · 4.625%
HK$47,524
+HK$2,379/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,290/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,500
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,039
−HK$1,565/mo
Today · 4.125%
HK$52,604
baseline
▲ 0.50% · 4.625%
HK$55,805
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,208/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,068
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,545
−HK$1,498/mo
Today · 4.125%
HK$58,043
baseline
▲ 0.50% · 4.625%
HK$61,103
+HK$3,060/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,086/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,250 · Scale 2, in force from 26 Feb 2026)