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$27,419
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,272
−HK$866/mo
Today · 4.125%
HK$29,138
baseline
▲ 0.50% · 4.625%
HK$30,911
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,276/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,503
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,322
−HK$829/mo
Today · 4.125%
HK$32,151
baseline
▲ 0.50% · 4.625%
HK$33,846
+HK$1,695/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,302/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,903
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,926
−HK$1,040/mo
Today · 4.125%
HK$34,966
baseline
▲ 0.50% · 4.625%
HK$37,094
+HK$2,128/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,932/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,604
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,586
−HK$996/mo
Today · 4.125%
HK$38,582
baseline
▲ 0.50% · 4.625%
HK$40,615
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,164/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,387
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,581
−HK$1,213/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$43,276
+HK$2,482/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,705
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,850
−HK$1,162/mo
Today · 4.125%
HK$45,012
baseline
▲ 0.50% · 4.625%
HK$47,385
+HK$2,373/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,024/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,354
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,890
−HK$1,559/mo
Today · 4.125%
HK$52,449
baseline
▲ 0.50% · 4.625%
HK$55,641
+HK$3,192/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,898/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,906
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,379
−HK$1,494/mo
Today · 4.125%
HK$57,873
baseline
▲ 0.50% · 4.625%
HK$60,923
+HK$3,050/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,746/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,921 · Scale 2, in force from 26 Feb 2026)