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$27,439
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,292
−HK$867/mo
Today · 4.125%
HK$29,159
baseline
▲ 0.50% · 4.625%
HK$30,934
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,318/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,525
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,344
−HK$831/mo
Today · 4.125%
HK$32,175
baseline
▲ 0.50% · 4.625%
HK$33,870
+HK$1,695/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,350/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,926
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,951
−HK$1,040/mo
Today · 4.125%
HK$34,991
baseline
▲ 0.50% · 4.625%
HK$37,120
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,982/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,630
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,613
−HK$996/mo
Today · 4.125%
HK$38,609
baseline
▲ 0.50% · 4.625%
HK$40,645
+HK$2,036/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,218/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,414
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,609
−HK$1,214/mo
Today · 4.125%
HK$40,823
baseline
▲ 0.50% · 4.625%
HK$43,307
+HK$2,484/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,646/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,735
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,882
−HK$1,162/mo
Today · 4.125%
HK$45,044
baseline
▲ 0.50% · 4.625%
HK$47,419
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,088/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,390
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,926
−HK$1,561/mo
Today · 4.125%
HK$52,487
baseline
▲ 0.50% · 4.625%
HK$55,681
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,974/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,946
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,419
−HK$1,495/mo
Today · 4.125%
HK$57,914
baseline
▲ 0.50% · 4.625%
HK$60,967
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,828/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,245 · Scale 2, in force from 26 Feb 2026)