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$27,426
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,279
−HK$867/mo
Today · 4.125%
HK$29,146
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,773/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,292/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$451,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,511
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$830/mo
Today · 4.125%
HK$32,159
baseline
▲ 0.50% · 4.625%
HK$33,855
+HK$1,696/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,318/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$451,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,911
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$33,935
−HK$1,040/mo
Today · 4.125%
HK$34,975
baseline
▲ 0.50% · 4.625%
HK$37,103
+HK$2,128/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,950/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,613
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$37,595
−HK$996/mo
Today · 4.125%
HK$38,591
baseline
▲ 0.50% · 4.625%
HK$40,625
+HK$2,034/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,182/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$451,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,396
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,591
−HK$1,213/mo
Today · 4.125%
HK$40,804
baseline
▲ 0.50% · 4.625%
HK$43,287
+HK$2,483/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$81,608/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,715
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,861
−HK$1,162/mo
Today · 4.125%
HK$45,023
baseline
▲ 0.50% · 4.625%
HK$47,396
+HK$2,373/mo
Deposit HK$3.61M · loan HK$8.42M · min. income ≈ HK$90,046/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,366
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,902
−HK$1,560/mo
Today · 4.125%
HK$52,462
baseline
▲ 0.50% · 4.625%
HK$55,654
+HK$3,192/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,924/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,920
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,393
−HK$1,494/mo
Today · 4.125%
HK$57,887
baseline
▲ 0.50% · 4.625%
HK$60,938
+HK$3,051/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,774/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,032 · Scale 2, in force from 26 Feb 2026)