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$27,417
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,270
−HK$866/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,909
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,501
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$830/mo
Today · 4.125%
HK$32,149
baseline
▲ 0.50% · 4.625%
HK$33,844
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,298/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,901
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,924
−HK$1,040/mo
Today · 4.125%
HK$34,964
baseline
▲ 0.50% · 4.625%
HK$37,091
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,928/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,602
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,583
−HK$996/mo
Today · 4.125%
HK$38,579
baseline
▲ 0.50% · 4.625%
HK$40,613
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,158/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,384
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,578
−HK$1,213/mo
Today · 4.125%
HK$40,791
baseline
▲ 0.50% · 4.625%
HK$43,273
+HK$2,482/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,582/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,702
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,847
−HK$1,162/mo
Today · 4.125%
HK$45,009
baseline
▲ 0.50% · 4.625%
HK$47,381
+HK$2,372/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,018/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,351
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,886
−HK$1,560/mo
Today · 4.125%
HK$52,446
baseline
▲ 0.50% · 4.625%
HK$55,637
+HK$3,191/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,892/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,902
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,375
−HK$1,493/mo
Today · 4.125%
HK$57,868
baseline
▲ 0.50% · 4.625%
HK$60,919
+HK$3,051/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,736/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,889 · Scale 2, in force from 26 Feb 2026)