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$27,391
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,243
−HK$866/mo
Today · 4.125%
HK$29,109
baseline
▲ 0.50% · 4.625%
HK$30,880
+HK$1,771/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,218/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,473
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,290
−HK$829/mo
Today · 4.125%
HK$32,119
baseline
▲ 0.50% · 4.625%
HK$33,812
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,238/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,870
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,892
−HK$1,039/mo
Today · 4.125%
HK$34,931
baseline
▲ 0.50% · 4.625%
HK$37,056
+HK$2,125/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$69,862/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,567
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,548
−HK$995/mo
Today · 4.125%
HK$38,543
baseline
▲ 0.50% · 4.625%
HK$40,574
+HK$2,031/mo
Deposit HK$4.80M · loan HK$7.21M · min. income ≈ HK$77,086/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,348
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,541
−HK$1,212/mo
Today · 4.125%
HK$40,753
baseline
▲ 0.50% · 4.625%
HK$43,232
+HK$2,479/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,506/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,662
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$43,806
−HK$1,160/mo
Today · 4.125%
HK$44,966
baseline
▲ 0.50% · 4.625%
HK$47,337
+HK$2,371/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,932/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,304
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,838
−HK$1,558/mo
Today · 4.125%
HK$52,396
baseline
▲ 0.50% · 4.625%
HK$55,584
+HK$3,188/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,792/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,851
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,322
−HK$1,492/mo
Today · 4.125%
HK$57,814
baseline
▲ 0.50% · 4.625%
HK$60,861
+HK$3,047/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,628/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,464 · Scale 2, in force from 26 Feb 2026)