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$27,495
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$869/mo
Today · 4.125%
HK$29,219
baseline
▲ 0.50% · 4.625%
HK$30,997
+HK$1,778/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,438/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,588
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,408
−HK$833/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$33,940
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$452,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,994
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$34,020
−HK$1,043/mo
Today · 4.125%
HK$35,063
baseline
▲ 0.50% · 4.625%
HK$37,197
+HK$2,134/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,126/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,706
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$999/mo
Today · 4.125%
HK$38,689
baseline
▲ 0.50% · 4.625%
HK$40,728
+HK$2,039/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,378/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,493
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,691
−HK$1,216/mo
Today · 4.125%
HK$40,907
baseline
▲ 0.50% · 4.625%
HK$43,396
+HK$2,489/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,814/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,823
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,972
−HK$1,165/mo
Today · 4.125%
HK$45,137
baseline
▲ 0.50% · 4.625%
HK$47,516
+HK$2,379/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,274/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,491
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,031
−HK$1,564/mo
Today · 4.125%
HK$52,595
baseline
▲ 0.50% · 4.625%
HK$55,795
+HK$3,200/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,190/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,059
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,535
−HK$1,498/mo
Today · 4.125%
HK$58,033
baseline
▲ 0.50% · 4.625%
HK$61,092
+HK$3,059/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$116,066/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,172 · Scale 2, in force from 26 Feb 2026)