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$27,408
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,261
−HK$866/mo
Today · 4.125%
HK$29,127
baseline
▲ 0.50% · 4.625%
HK$30,899
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,254/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,491
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,309
−HK$830/mo
Today · 4.125%
HK$32,139
baseline
▲ 0.50% · 4.625%
HK$33,833
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,278/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,890
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,913
−HK$1,039/mo
Today · 4.125%
HK$34,952
baseline
▲ 0.50% · 4.625%
HK$37,079
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,904/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,590
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,571
−HK$996/mo
Today · 4.125%
HK$38,567
baseline
▲ 0.50% · 4.625%
HK$40,599
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,134/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,372
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,565
−HK$1,213/mo
Today · 4.125%
HK$40,778
baseline
▲ 0.50% · 4.625%
HK$43,259
+HK$2,481/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$81,556/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,688
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,833
−HK$1,161/mo
Today · 4.125%
HK$44,994
baseline
▲ 0.50% · 4.625%
HK$47,366
+HK$2,372/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$89,988/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,335
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,869
−HK$1,560/mo
Today · 4.125%
HK$52,429
baseline
▲ 0.50% · 4.625%
HK$55,619
+HK$3,190/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,858/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,885
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,356
−HK$1,494/mo
Today · 4.125%
HK$57,850
baseline
▲ 0.50% · 4.625%
HK$60,899
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,700/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,743 · Scale 2, in force from 26 Feb 2026)