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$27,445
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,299
−HK$867/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,941
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,532
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,351
−HK$831/mo
Today · 4.125%
HK$32,182
baseline
▲ 0.50% · 4.625%
HK$33,878
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,364/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,934
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,959
−HK$1,040/mo
Today · 4.125%
HK$34,999
baseline
▲ 0.50% · 4.625%
HK$37,129
+HK$2,130/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,998/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,639
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,622
−HK$996/mo
Today · 4.125%
HK$38,618
baseline
▲ 0.50% · 4.625%
HK$40,654
+HK$2,036/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,236/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,423
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,618
−HK$1,215/mo
Today · 4.125%
HK$40,833
baseline
▲ 0.50% · 4.625%
HK$43,317
+HK$2,484/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,666/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,745
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,892
−HK$1,163/mo
Today · 4.125%
HK$45,055
baseline
▲ 0.50% · 4.625%
HK$47,430
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,110/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,401
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,938
−HK$1,561/mo
Today · 4.125%
HK$52,499
baseline
▲ 0.50% · 4.625%
HK$55,694
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,998/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,958
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,432
−HK$1,496/mo
Today · 4.125%
HK$57,928
baseline
▲ 0.50% · 4.625%
HK$60,981
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,856/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,350 · Scale 2, in force from 26 Feb 2026)