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$27,476
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,330
−HK$869/mo
Today · 4.125%
HK$29,199
baseline
▲ 0.50% · 4.625%
HK$30,975
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,398/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,567
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,386
−HK$832/mo
Today · 4.125%
HK$32,218
baseline
▲ 0.50% · 4.625%
HK$33,916
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,436/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,971
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,997
−HK$1,042/mo
Today · 4.125%
HK$35,039
baseline
▲ 0.50% · 4.625%
HK$37,171
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,078/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,680
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,664
−HK$998/mo
Today · 4.125%
HK$38,662
baseline
▲ 0.50% · 4.625%
HK$40,699
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,324/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,466
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,663
−HK$1,215/mo
Today · 4.125%
HK$40,878
baseline
▲ 0.50% · 4.625%
HK$43,366
+HK$2,488/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,756/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,793
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,941
−HK$1,164/mo
Today · 4.125%
HK$45,105
baseline
▲ 0.50% · 4.625%
HK$47,483
+HK$2,378/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,210/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,456
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,995
−HK$1,563/mo
Today · 4.125%
HK$52,558
baseline
▲ 0.50% · 4.625%
HK$55,756
+HK$3,198/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,116/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,020
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,495
−HK$1,497/mo
Today · 4.125%
HK$57,992
baseline
▲ 0.50% · 4.625%
HK$61,049
+HK$3,057/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,984/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,854 · Scale 2, in force from 26 Feb 2026)