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$27,513
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,368
−HK$870/mo
Today · 4.125%
HK$29,238
baseline
▲ 0.50% · 4.625%
HK$31,017
+HK$1,779/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,476/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,607
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,428
−HK$833/mo
Today · 4.125%
HK$32,261
baseline
▲ 0.50% · 4.625%
HK$33,962
+HK$1,701/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,522/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$452,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,015
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,042
−HK$1,043/mo
Today · 4.125%
HK$35,085
baseline
▲ 0.50% · 4.625%
HK$37,220
+HK$2,135/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$70,170/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,729
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,714
−HK$999/mo
Today · 4.125%
HK$38,713
baseline
▲ 0.50% · 4.625%
HK$40,754
+HK$2,041/mo
Deposit HK$4.83M · loan HK$7.24M · min. income ≈ HK$77,426/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$452,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,518
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,716
−HK$1,217/mo
Today · 4.125%
HK$40,933
baseline
▲ 0.50% · 4.625%
HK$43,424
+HK$2,491/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$81,866/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,850
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,000
−HK$1,166/mo
Today · 4.125%
HK$45,166
baseline
▲ 0.50% · 4.625%
HK$47,546
+HK$2,380/mo
Deposit HK$3.62M · loan HK$8.45M · min. income ≈ HK$90,332/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$452,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,523
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,063
−HK$1,565/mo
Today · 4.125%
HK$52,628
baseline
▲ 0.50% · 4.625%
HK$55,830
+HK$3,202/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$105,256/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,093
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,571
−HK$1,499/mo
Today · 4.125%
HK$58,070
baseline
▲ 0.50% · 4.625%
HK$61,131
+HK$3,061/mo
Deposit HK$1.21M · loan HK$10.86M · min. income ≈ HK$116,140/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$452,459 · Scale 2, in force from 26 Feb 2026)