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$27,460
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,314
−HK$868/mo
Today · 4.125%
HK$29,182
baseline
▲ 0.50% · 4.625%
HK$30,958
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,364/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,549
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,369
−HK$831/mo
Today · 4.125%
HK$32,200
baseline
▲ 0.50% · 4.625%
HK$33,897
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,400/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,952
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,977
−HK$1,042/mo
Today · 4.125%
HK$35,019
baseline
▲ 0.50% · 4.625%
HK$37,149
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,038/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,659
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$998/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,676
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,444
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,640
−HK$1,215/mo
Today · 4.125%
HK$40,855
baseline
▲ 0.50% · 4.625%
HK$43,341
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,710/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,769
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,916
−HK$1,164/mo
Today · 4.125%
HK$45,080
baseline
▲ 0.50% · 4.625%
HK$47,456
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,160/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,428
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,966
−HK$1,562/mo
Today · 4.125%
HK$52,528
baseline
▲ 0.50% · 4.625%
HK$55,724
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,056/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,989
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,463
−HK$1,497/mo
Today · 4.125%
HK$57,960
baseline
▲ 0.50% · 4.625%
HK$61,015
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,920/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,598 · Scale 2, in force from 26 Feb 2026)