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$27,433
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,286
−HK$867/mo
Today · 4.125%
HK$29,153
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,306/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,518
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,337
−HK$830/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$33,863
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,919
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,943
−HK$1,040/mo
Today · 4.125%
HK$34,983
baseline
▲ 0.50% · 4.625%
HK$37,112
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,966/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,622
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,604
−HK$997/mo
Today · 4.125%
HK$38,601
baseline
▲ 0.50% · 4.625%
HK$40,635
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,202/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,406
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,600
−HK$1,214/mo
Today · 4.125%
HK$40,814
baseline
▲ 0.50% · 4.625%
HK$43,297
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,628/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,726
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,872
−HK$1,162/mo
Today · 4.125%
HK$45,034
baseline
▲ 0.50% · 4.625%
HK$47,408
+HK$2,374/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,068/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,379
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,915
−HK$1,560/mo
Today · 4.125%
HK$52,475
baseline
▲ 0.50% · 4.625%
HK$55,668
+HK$3,193/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,950/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,933
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,407
−HK$1,494/mo
Today · 4.125%
HK$57,901
baseline
▲ 0.50% · 4.625%
HK$60,953
+HK$3,052/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,802/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,144 · Scale 2, in force from 26 Feb 2026)