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$27,462
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,316
−HK$868/mo
Today · 4.125%
HK$29,184
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,368/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,551
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$831/mo
Today · 4.125%
HK$32,202
baseline
▲ 0.50% · 4.625%
HK$33,899
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,404/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,955
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,980
−HK$1,041/mo
Today · 4.125%
HK$35,021
baseline
▲ 0.50% · 4.625%
HK$37,152
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,042/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,662
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,645
−HK$997/mo
Today · 4.125%
HK$38,642
baseline
▲ 0.50% · 4.625%
HK$40,679
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,284/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,447
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,643
−HK$1,215/mo
Today · 4.125%
HK$40,858
baseline
▲ 0.50% · 4.625%
HK$43,344
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,716/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,772
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,919
−HK$1,164/mo
Today · 4.125%
HK$45,083
baseline
▲ 0.50% · 4.625%
HK$47,459
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,166/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,432
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,969
−HK$1,563/mo
Today · 4.125%
HK$52,532
baseline
▲ 0.50% · 4.625%
HK$55,728
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,064/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,992
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,467
−HK$1,497/mo
Today · 4.125%
HK$57,964
baseline
▲ 0.50% · 4.625%
HK$61,019
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,928/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,630 · Scale 2, in force from 26 Feb 2026)