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$27,434
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,287
−HK$867/mo
Today · 4.125%
HK$29,154
baseline
▲ 0.50% · 4.625%
HK$30,928
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,308/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,520
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,338
−HK$831/mo
Today · 4.125%
HK$32,169
baseline
▲ 0.50% · 4.625%
HK$33,864
+HK$1,695/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,338/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,921
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,945
−HK$1,040/mo
Today · 4.125%
HK$34,985
baseline
▲ 0.50% · 4.625%
HK$37,114
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,970/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,624
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,606
−HK$996/mo
Today · 4.125%
HK$38,602
baseline
▲ 0.50% · 4.625%
HK$40,637
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,204/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,407
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,602
−HK$1,214/mo
Today · 4.125%
HK$40,816
baseline
▲ 0.50% · 4.625%
HK$43,299
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,632/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,728
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,874
−HK$1,162/mo
Today · 4.125%
HK$45,036
baseline
▲ 0.50% · 4.625%
HK$47,410
+HK$2,374/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,072/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,381
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,917
−HK$1,560/mo
Today · 4.125%
HK$52,477
baseline
▲ 0.50% · 4.625%
HK$55,671
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,954/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,936
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,409
−HK$1,495/mo
Today · 4.125%
HK$57,904
baseline
▲ 0.50% · 4.625%
HK$60,956
+HK$3,052/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,808/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,163 · Scale 2, in force from 26 Feb 2026)