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$27,468
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,323
−HK$868/mo
Today · 4.125%
HK$29,191
baseline
▲ 0.50% · 4.625%
HK$30,967
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,382/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,558
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,378
−HK$831/mo
Today · 4.125%
HK$32,209
baseline
▲ 0.50% · 4.625%
HK$33,907
+HK$1,698/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,418/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,962
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,987
−HK$1,042/mo
Today · 4.125%
HK$35,029
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$2,132/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,058/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,670
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,653
−HK$998/mo
Today · 4.125%
HK$38,651
baseline
▲ 0.50% · 4.625%
HK$40,688
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,302/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,456
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,652
−HK$1,215/mo
Today · 4.125%
HK$40,867
baseline
▲ 0.50% · 4.625%
HK$43,354
+HK$2,487/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,734/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,782
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,929
−HK$1,164/mo
Today · 4.125%
HK$45,093
baseline
▲ 0.50% · 4.625%
HK$47,470
+HK$2,377/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,186/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,443
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,981
−HK$1,563/mo
Today · 4.125%
HK$52,544
baseline
▲ 0.50% · 4.625%
HK$55,741
+HK$3,197/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,088/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,005
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,480
−HK$1,497/mo
Today · 4.125%
HK$57,977
baseline
▲ 0.50% · 4.625%
HK$61,033
+HK$3,056/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,954/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,732 · Scale 2, in force from 26 Feb 2026)