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$27,501
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$869/mo
Today · 4.125%
HK$29,225
baseline
▲ 0.50% · 4.625%
HK$31,004
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,450/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,594
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,415
−HK$832/mo
Today · 4.125%
HK$32,247
baseline
▲ 0.50% · 4.625%
HK$33,947
+HK$1,700/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,494/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,001
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,027
−HK$1,043/mo
Today · 4.125%
HK$35,070
baseline
▲ 0.50% · 4.625%
HK$37,204
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$70,140/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,713
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,698
−HK$999/mo
Today · 4.125%
HK$38,697
baseline
▲ 0.50% · 4.625%
HK$40,736
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.24M · min. income ≈ HK$77,394/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,501
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,699
−HK$1,216/mo
Today · 4.125%
HK$40,915
baseline
▲ 0.50% · 4.625%
HK$43,405
+HK$2,490/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,830/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,832
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,981
−HK$1,165/mo
Today · 4.125%
HK$45,146
baseline
▲ 0.50% · 4.625%
HK$47,526
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,292/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,501
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,041
−HK$1,564/mo
Today · 4.125%
HK$52,605
baseline
▲ 0.50% · 4.625%
HK$55,806
+HK$3,201/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,210/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,070
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,547
−HK$1,498/mo
Today · 4.125%
HK$58,045
baseline
▲ 0.50% · 4.625%
HK$61,104
+HK$3,059/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,090/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,264 · Scale 2, in force from 26 Feb 2026)