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$27,421
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,274
−HK$866/mo
Today · 4.125%
HK$29,140
baseline
▲ 0.50% · 4.625%
HK$30,913
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,280/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,505
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,323
−HK$830/mo
Today · 4.125%
HK$32,153
baseline
▲ 0.50% · 4.625%
HK$33,848
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,306/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,905
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,928
−HK$1,040/mo
Today · 4.125%
HK$34,968
baseline
▲ 0.50% · 4.625%
HK$37,096
+HK$2,128/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,936/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,606
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,588
−HK$996/mo
Today · 4.125%
HK$38,584
baseline
▲ 0.50% · 4.625%
HK$40,618
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,168/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,389
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,583
−HK$1,213/mo
Today · 4.125%
HK$40,796
baseline
▲ 0.50% · 4.625%
HK$43,279
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,592/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,707
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,853
−HK$1,162/mo
Today · 4.125%
HK$45,015
baseline
▲ 0.50% · 4.625%
HK$47,388
+HK$2,373/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,030/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,357
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,893
−HK$1,560/mo
Today · 4.125%
HK$52,453
baseline
▲ 0.50% · 4.625%
HK$55,644
+HK$3,191/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,906/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,910
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,382
−HK$1,494/mo
Today · 4.125%
HK$57,876
baseline
▲ 0.50% · 4.625%
HK$60,927
+HK$3,051/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,752/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,949 · Scale 2, in force from 26 Feb 2026)