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$27,403
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,256
−HK$866/mo
Today · 4.125%
HK$29,122
baseline
▲ 0.50% · 4.625%
HK$30,894
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,244/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,486
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,303
−HK$830/mo
Today · 4.125%
HK$32,133
baseline
▲ 0.50% · 4.625%
HK$33,827
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,266/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,884
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,907
−HK$1,039/mo
Today · 4.125%
HK$34,946
baseline
▲ 0.50% · 4.625%
HK$37,072
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,892/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,583
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,564
−HK$995/mo
Today · 4.125%
HK$38,559
baseline
▲ 0.50% · 4.625%
HK$40,592
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,118/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,365
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,558
−HK$1,212/mo
Today · 4.125%
HK$40,770
baseline
▲ 0.50% · 4.625%
HK$43,251
+HK$2,481/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$81,540/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,680
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,825
−HK$1,161/mo
Today · 4.125%
HK$44,986
baseline
▲ 0.50% · 4.625%
HK$47,357
+HK$2,371/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$89,972/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,326
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,860
−HK$1,559/mo
Today · 4.125%
HK$52,419
baseline
▲ 0.50% · 4.625%
HK$55,609
+HK$3,190/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,838/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,874
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,346
−HK$1,493/mo
Today · 4.125%
HK$57,839
baseline
▲ 0.50% · 4.625%
HK$60,888
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,678/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,661 · Scale 2, in force from 26 Feb 2026)