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$27,397
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,249
−HK$866/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,886
+HK$1,771/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,479
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,296
−HK$829/mo
Today · 4.125%
HK$32,125
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,250/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,876
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,899
−HK$1,039/mo
Today · 4.125%
HK$34,938
baseline
▲ 0.50% · 4.625%
HK$37,064
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,876/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,574
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$37,555
−HK$995/mo
Today · 4.125%
HK$38,550
baseline
▲ 0.50% · 4.625%
HK$40,582
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,100/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,355
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,548
−HK$1,213/mo
Today · 4.125%
HK$40,761
baseline
▲ 0.50% · 4.625%
HK$43,241
+HK$2,480/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,522/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,670
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,814
−HK$1,161/mo
Today · 4.125%
HK$44,975
baseline
▲ 0.50% · 4.625%
HK$47,346
+HK$2,371/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,950/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,314
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,848
−HK$1,559/mo
Today · 4.125%
HK$52,407
baseline
▲ 0.50% · 4.625%
HK$55,595
+HK$3,188/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,814/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,861
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,333
−HK$1,492/mo
Today · 4.125%
HK$57,825
baseline
▲ 0.50% · 4.625%
HK$60,874
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,650/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,554 · Scale 2, in force from 26 Feb 2026)