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$27,518
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,374
−HK$869/mo
Today · 4.125%
HK$29,243
baseline
▲ 0.50% · 4.625%
HK$31,023
+HK$1,780/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,486/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,613
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,434
−HK$833/mo
Today · 4.125%
HK$32,267
baseline
▲ 0.50% · 4.625%
HK$33,968
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,534/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,021
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,048
−HK$1,044/mo
Today · 4.125%
HK$35,092
baseline
▲ 0.50% · 4.625%
HK$37,227
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,184/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,736
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,721
−HK$999/mo
Today · 4.125%
HK$38,720
baseline
▲ 0.50% · 4.625%
HK$40,761
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,440/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,525
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,723
−HK$1,218/mo
Today · 4.125%
HK$40,941
baseline
▲ 0.50% · 4.625%
HK$43,432
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,882/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,858
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,008
−HK$1,166/mo
Today · 4.125%
HK$45,174
baseline
▲ 0.50% · 4.625%
HK$47,555
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,348/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,532
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,072
−HK$1,566/mo
Today · 4.125%
HK$52,638
baseline
▲ 0.50% · 4.625%
HK$55,841
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,276/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,104
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,581
−HK$1,500/mo
Today · 4.125%
HK$58,081
baseline
▲ 0.50% · 4.625%
HK$61,142
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,162/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,542 · Scale 2, in force from 26 Feb 2026)