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$27,448
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,302
−HK$867/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,944
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,536
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,355
−HK$830/mo
Today · 4.125%
HK$32,185
baseline
▲ 0.50% · 4.625%
HK$33,882
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,370/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,938
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,962
−HK$1,041/mo
Today · 4.125%
HK$35,003
baseline
▲ 0.50% · 4.625%
HK$37,133
+HK$2,130/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$70,006/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,643
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,626
−HK$997/mo
Today · 4.125%
HK$38,623
baseline
▲ 0.50% · 4.625%
HK$40,658
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,246/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,427
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,623
−HK$1,214/mo
Today · 4.125%
HK$40,837
baseline
▲ 0.50% · 4.625%
HK$43,322
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,674/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,750
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,897
−HK$1,163/mo
Today · 4.125%
HK$45,060
baseline
▲ 0.50% · 4.625%
HK$47,435
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,120/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,407
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,943
−HK$1,562/mo
Today · 4.125%
HK$52,505
baseline
▲ 0.50% · 4.625%
HK$55,700
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$105,010/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,964
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,438
−HK$1,496/mo
Today · 4.125%
HK$57,934
baseline
▲ 0.50% · 4.625%
HK$60,988
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,868/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,399 · Scale 2, in force from 26 Feb 2026)