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$27,478
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,333
−HK$868/mo
Today · 4.125%
HK$29,201
baseline
▲ 0.50% · 4.625%
HK$30,978
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,402/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,569
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,389
−HK$831/mo
Today · 4.125%
HK$32,220
baseline
▲ 0.50% · 4.625%
HK$33,919
+HK$1,699/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,440/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,973
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,999
−HK$1,042/mo
Today · 4.125%
HK$35,041
baseline
▲ 0.50% · 4.625%
HK$37,173
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,082/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,683
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,666
−HK$999/mo
Today · 4.125%
HK$38,665
baseline
▲ 0.50% · 4.625%
HK$40,703
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,330/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,469
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,666
−HK$1,215/mo
Today · 4.125%
HK$40,881
baseline
▲ 0.50% · 4.625%
HK$43,369
+HK$2,488/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,762/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,796
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,944
−HK$1,165/mo
Today · 4.125%
HK$45,109
baseline
▲ 0.50% · 4.625%
HK$47,486
+HK$2,377/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,218/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,460
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,999
−HK$1,563/mo
Today · 4.125%
HK$52,562
baseline
▲ 0.50% · 4.625%
HK$55,760
+HK$3,198/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,124/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,024
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,500
−HK$1,497/mo
Today · 4.125%
HK$57,997
baseline
▲ 0.50% · 4.625%
HK$61,054
+HK$3,057/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$115,994/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,889 · Scale 2, in force from 26 Feb 2026)