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$27,429
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,283
−HK$866/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,923
+HK$1,774/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,298/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,515
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,333
−HK$830/mo
Today · 4.125%
HK$32,163
baseline
▲ 0.50% · 4.625%
HK$33,859
+HK$1,696/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,326/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,915
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,939
−HK$1,040/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$37,108
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,618
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,600
−HK$996/mo
Today · 4.125%
HK$38,596
baseline
▲ 0.50% · 4.625%
HK$40,631
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,192/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,401
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,596
−HK$1,213/mo
Today · 4.125%
HK$40,809
baseline
▲ 0.50% · 4.625%
HK$43,292
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,618/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,721
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,866
−HK$1,163/mo
Today · 4.125%
HK$45,029
baseline
▲ 0.50% · 4.625%
HK$47,402
+HK$2,373/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,058/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,373
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,909
−HK$1,560/mo
Today · 4.125%
HK$52,469
baseline
▲ 0.50% · 4.625%
HK$55,661
+HK$3,192/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,938/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,927
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,400
−HK$1,494/mo
Today · 4.125%
HK$57,894
baseline
▲ 0.50% · 4.625%
HK$60,946
+HK$3,052/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,788/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,089 · Scale 2, in force from 26 Feb 2026)