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$27,399
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,252
−HK$866/mo
Today · 4.125%
HK$29,118
baseline
▲ 0.50% · 4.625%
HK$30,889
+HK$1,771/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,236/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,482
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,299
−HK$829/mo
Today · 4.125%
HK$32,128
baseline
▲ 0.50% · 4.625%
HK$33,822
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,256/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,879
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$1,039/mo
Today · 4.125%
HK$34,941
baseline
▲ 0.50% · 4.625%
HK$37,067
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,882/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,578
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,559
−HK$995/mo
Today · 4.125%
HK$38,554
baseline
▲ 0.50% · 4.625%
HK$40,586
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,108/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,359
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,552
−HK$1,213/mo
Today · 4.125%
HK$40,765
baseline
▲ 0.50% · 4.625%
HK$43,245
+HK$2,480/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,530/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,674
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,819
−HK$1,161/mo
Today · 4.125%
HK$44,980
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,371/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,960/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,319
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,853
−HK$1,559/mo
Today · 4.125%
HK$52,412
baseline
▲ 0.50% · 4.625%
HK$55,601
+HK$3,189/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,824/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,867
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,338
−HK$1,493/mo
Today · 4.125%
HK$57,831
baseline
▲ 0.50% · 4.625%
HK$60,880
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,662/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,598 · Scale 2, in force from 26 Feb 2026)