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$27,453
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,307
−HK$867/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,950
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,360
−HK$831/mo
Today · 4.125%
HK$32,191
baseline
▲ 0.50% · 4.625%
HK$33,888
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,382/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,944
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$1,041/mo
Today · 4.125%
HK$35,009
baseline
▲ 0.50% · 4.625%
HK$37,140
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,018/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,649
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,632
−HK$997/mo
Today · 4.125%
HK$38,629
baseline
▲ 0.50% · 4.625%
HK$40,666
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,258/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,434
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,630
−HK$1,214/mo
Today · 4.125%
HK$40,844
baseline
▲ 0.50% · 4.625%
HK$43,330
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,688/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,758
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,904
−HK$1,164/mo
Today · 4.125%
HK$45,068
baseline
▲ 0.50% · 4.625%
HK$47,443
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,136/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,415
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,952
−HK$1,562/mo
Today · 4.125%
HK$52,514
baseline
▲ 0.50% · 4.625%
HK$55,709
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,028/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,974
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,448
−HK$1,496/mo
Today · 4.125%
HK$57,944
baseline
▲ 0.50% · 4.625%
HK$60,998
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,888/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,478 · Scale 2, in force from 26 Feb 2026)