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$27,520
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,376
−HK$869/mo
Today · 4.125%
HK$29,245
baseline
▲ 0.50% · 4.625%
HK$31,025
+HK$1,780/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,490/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,615
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,436
−HK$833/mo
Today · 4.125%
HK$32,269
baseline
▲ 0.50% · 4.625%
HK$33,970
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,538/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,024
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,051
−HK$1,043/mo
Today · 4.125%
HK$35,094
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$2,136/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,188/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,738
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,724
−HK$999/mo
Today · 4.125%
HK$38,723
baseline
▲ 0.50% · 4.625%
HK$40,764
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,446/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,527
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,726
−HK$1,217/mo
Today · 4.125%
HK$40,943
baseline
▲ 0.50% · 4.625%
HK$43,435
+HK$2,492/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,886/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,861
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,011
−HK$1,166/mo
Today · 4.125%
HK$45,177
baseline
▲ 0.50% · 4.625%
HK$47,558
+HK$2,381/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,354/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,535
−HK$3,107/mo
▼ 0.25% · 3.875%
HK$51,076
−HK$1,566/mo
Today · 4.125%
HK$52,642
baseline
▲ 0.50% · 4.625%
HK$55,845
+HK$3,203/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,284/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,108
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,585
−HK$1,500/mo
Today · 4.125%
HK$58,085
baseline
▲ 0.50% · 4.625%
HK$61,147
+HK$3,062/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,170/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,575 · Scale 2, in force from 26 Feb 2026)