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$27,432
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,285
−HK$867/mo
Today · 4.125%
HK$29,152
baseline
▲ 0.50% · 4.625%
HK$30,926
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,304/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,518
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,336
−HK$831/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$33,862
+HK$1,695/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,918
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,942
−HK$1,041/mo
Today · 4.125%
HK$34,983
baseline
▲ 0.50% · 4.625%
HK$37,111
+HK$2,128/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,966/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,621
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,604
−HK$996/mo
Today · 4.125%
HK$38,600
baseline
▲ 0.50% · 4.625%
HK$40,635
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,200/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,405
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,599
−HK$1,214/mo
Today · 4.125%
HK$40,813
baseline
▲ 0.50% · 4.625%
HK$43,297
+HK$2,484/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,626/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,725
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,871
−HK$1,162/mo
Today · 4.125%
HK$45,033
baseline
▲ 0.50% · 4.625%
HK$47,407
+HK$2,374/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,066/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,378
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,914
−HK$1,560/mo
Today · 4.125%
HK$52,474
baseline
▲ 0.50% · 4.625%
HK$55,667
+HK$3,193/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,948/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,932
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,405
−HK$1,495/mo
Today · 4.125%
HK$57,900
baseline
▲ 0.50% · 4.625%
HK$60,952
+HK$3,052/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,800/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,135 · Scale 2, in force from 26 Feb 2026)