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$27,485
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,340
−HK$869/mo
Today · 4.125%
HK$29,209
baseline
▲ 0.50% · 4.625%
HK$30,986
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,418/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,577
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,397
−HK$832/mo
Today · 4.125%
HK$32,229
baseline
▲ 0.50% · 4.625%
HK$33,928
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,458/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,982
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,008
−HK$1,043/mo
Today · 4.125%
HK$35,051
baseline
▲ 0.50% · 4.625%
HK$37,183
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,102/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,692
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,677
−HK$998/mo
Today · 4.125%
HK$38,675
baseline
▲ 0.50% · 4.625%
HK$40,713
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,350/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$452,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,479
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,676
−HK$1,216/mo
Today · 4.125%
HK$40,892
baseline
▲ 0.50% · 4.625%
HK$43,381
+HK$2,489/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,784/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,808
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,956
−HK$1,165/mo
Today · 4.125%
HK$45,121
baseline
▲ 0.50% · 4.625%
HK$47,499
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,242/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,473
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,012
−HK$1,564/mo
Today · 4.125%
HK$52,576
baseline
▲ 0.50% · 4.625%
HK$55,775
+HK$3,199/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,152/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,039
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,515
−HK$1,497/mo
Today · 4.125%
HK$58,012
baseline
▲ 0.50% · 4.625%
HK$61,070
+HK$3,058/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,024/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,009 · Scale 2, in force from 26 Feb 2026)