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$27,445
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$868/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,940
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,532
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,351
−HK$831/mo
Today · 4.125%
HK$32,182
baseline
▲ 0.50% · 4.625%
HK$33,878
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,364/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,934
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,958
−HK$1,041/mo
Today · 4.125%
HK$34,999
baseline
▲ 0.50% · 4.625%
HK$37,128
+HK$2,129/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$69,998/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,638
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,621
−HK$997/mo
Today · 4.125%
HK$38,618
baseline
▲ 0.50% · 4.625%
HK$40,653
+HK$2,035/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,236/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,423
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$39,618
−HK$1,214/mo
Today · 4.125%
HK$40,832
baseline
▲ 0.50% · 4.625%
HK$43,317
+HK$2,485/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,664/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,745
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,891
−HK$1,163/mo
Today · 4.125%
HK$45,054
baseline
▲ 0.50% · 4.625%
HK$47,429
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,108/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,400
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,937
−HK$1,561/mo
Today · 4.125%
HK$52,498
baseline
▲ 0.50% · 4.625%
HK$55,693
+HK$3,195/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$104,996/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,958
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,431
−HK$1,496/mo
Today · 4.125%
HK$57,927
baseline
▲ 0.50% · 4.625%
HK$60,980
+HK$3,053/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,854/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$451,343 · Scale 2, in force from 26 Feb 2026)