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$27,393
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,245
−HK$865/mo
Today · 4.125%
HK$29,110
baseline
▲ 0.50% · 4.625%
HK$30,882
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,220/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,474
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,291
−HK$829/mo
Today · 4.125%
HK$32,120
baseline
▲ 0.50% · 4.625%
HK$33,813
+HK$1,693/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,240/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,871
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$33,894
−HK$1,038/mo
Today · 4.125%
HK$34,932
baseline
▲ 0.50% · 4.625%
HK$37,058
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,864/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,569
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$37,549
−HK$995/mo
Today · 4.125%
HK$38,544
baseline
▲ 0.50% · 4.625%
HK$40,576
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,088/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,350
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$39,542
−HK$1,212/mo
Today · 4.125%
HK$40,754
baseline
▲ 0.50% · 4.625%
HK$43,234
+HK$2,480/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$81,508/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,664
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,808
−HK$1,161/mo
Today · 4.125%
HK$44,969
baseline
▲ 0.50% · 4.625%
HK$47,339
+HK$2,370/mo
Deposit HK$3.60M · loan HK$8.41M · min. income ≈ HK$89,938/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$450,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,307
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,840
−HK$1,559/mo
Today · 4.125%
HK$52,399
baseline
▲ 0.50% · 4.625%
HK$55,587
+HK$3,188/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$104,798/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,853
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,324
−HK$1,493/mo
Today · 4.125%
HK$57,817
baseline
▲ 0.50% · 4.625%
HK$60,864
+HK$3,047/mo
Deposit HK$1.20M · loan HK$10.81M · min. income ≈ HK$115,634/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,485 · Scale 2, in force from 26 Feb 2026)