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$27,452
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,306
−HK$868/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,949
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,540
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,360
−HK$830/mo
Today · 4.125%
HK$32,190
baseline
▲ 0.50% · 4.625%
HK$33,887
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,380/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,943
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$1,041/mo
Today · 4.125%
HK$35,009
baseline
▲ 0.50% · 4.625%
HK$37,139
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,018/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,649
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,631
−HK$998/mo
Today · 4.125%
HK$38,629
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,258/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,433
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,629
−HK$1,214/mo
Today · 4.125%
HK$40,843
baseline
▲ 0.50% · 4.625%
HK$43,329
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,686/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,757
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$43,903
−HK$1,164/mo
Today · 4.125%
HK$45,067
baseline
▲ 0.50% · 4.625%
HK$47,442
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,134/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,414
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,951
−HK$1,562/mo
Today · 4.125%
HK$52,513
baseline
▲ 0.50% · 4.625%
HK$55,708
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,026/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,973
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,447
−HK$1,496/mo
Today · 4.125%
HK$57,943
baseline
▲ 0.50% · 4.625%
HK$60,997
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,886/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,469 · Scale 2, in force from 26 Feb 2026)