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$27,454
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,308
−HK$868/mo
Today · 4.125%
HK$29,176
baseline
▲ 0.50% · 4.625%
HK$30,951
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,352/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,542
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,362
−HK$831/mo
Today · 4.125%
HK$32,193
baseline
▲ 0.50% · 4.625%
HK$33,889
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,386/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,970
−HK$1,041/mo
Today · 4.125%
HK$35,011
baseline
▲ 0.50% · 4.625%
HK$37,141
+HK$2,130/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$70,022/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,651
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,634
−HK$997/mo
Today · 4.125%
HK$38,631
baseline
▲ 0.50% · 4.625%
HK$40,667
+HK$2,036/mo
Deposit HK$4.82M · loan HK$7.22M · min. income ≈ HK$77,262/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,436
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,631
−HK$1,215/mo
Today · 4.125%
HK$40,846
baseline
▲ 0.50% · 4.625%
HK$43,331
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,692/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,759
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,906
−HK$1,164/mo
Today · 4.125%
HK$45,070
baseline
▲ 0.50% · 4.625%
HK$47,445
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,140/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,417
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,955
−HK$1,561/mo
Today · 4.125%
HK$52,516
baseline
▲ 0.50% · 4.625%
HK$55,712
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,032/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,976
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,451
−HK$1,496/mo
Today · 4.125%
HK$57,947
baseline
▲ 0.50% · 4.625%
HK$61,001
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,894/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,497 · Scale 2, in force from 26 Feb 2026)