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$27,422
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,275
−HK$867/mo
Today · 4.125%
HK$29,142
baseline
▲ 0.50% · 4.625%
HK$30,915
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,284/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,507
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,325
−HK$830/mo
Today · 4.125%
HK$32,155
baseline
▲ 0.50% · 4.625%
HK$33,850
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,310/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,907
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,930
−HK$1,040/mo
Today · 4.125%
HK$34,970
baseline
▲ 0.50% · 4.625%
HK$37,098
+HK$2,128/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,940/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,609
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,590
−HK$996/mo
Today · 4.125%
HK$38,586
baseline
▲ 0.50% · 4.625%
HK$40,620
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,172/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,391
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,586
−HK$1,213/mo
Today · 4.125%
HK$40,799
baseline
▲ 0.50% · 4.625%
HK$43,281
+HK$2,482/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,598/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,710
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,855
−HK$1,163/mo
Today · 4.125%
HK$45,018
baseline
▲ 0.50% · 4.625%
HK$47,390
+HK$2,372/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,036/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,360
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,896
−HK$1,560/mo
Today · 4.125%
HK$52,456
baseline
▲ 0.50% · 4.625%
HK$55,647
+HK$3,191/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,912/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,913
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,386
−HK$1,494/mo
Today · 4.125%
HK$57,880
baseline
▲ 0.50% · 4.625%
HK$60,931
+HK$3,051/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,760/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,976 · Scale 2, in force from 26 Feb 2026)