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$27,473
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,328
−HK$868/mo
Today · 4.125%
HK$29,196
baseline
▲ 0.50% · 4.625%
HK$30,972
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,392/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,563
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,383
−HK$832/mo
Today · 4.125%
HK$32,215
baseline
▲ 0.50% · 4.625%
HK$33,913
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,430/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,968
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,993
−HK$1,042/mo
Today · 4.125%
HK$35,035
baseline
▲ 0.50% · 4.625%
HK$37,167
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,070/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,676
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,660
−HK$998/mo
Today · 4.125%
HK$38,658
baseline
▲ 0.50% · 4.625%
HK$40,695
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,316/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,462
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,659
−HK$1,215/mo
Today · 4.125%
HK$40,874
baseline
▲ 0.50% · 4.625%
HK$43,361
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,748/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,789
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,936
−HK$1,165/mo
Today · 4.125%
HK$45,101
baseline
▲ 0.50% · 4.625%
HK$47,478
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,202/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,451
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,990
−HK$1,562/mo
Today · 4.125%
HK$52,552
baseline
▲ 0.50% · 4.625%
HK$55,750
+HK$3,198/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,104/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,014
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,490
−HK$1,496/mo
Today · 4.125%
HK$57,986
baseline
▲ 0.50% · 4.625%
HK$61,043
+HK$3,057/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,972/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,808 · Scale 2, in force from 26 Feb 2026)