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$27,406
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,259
−HK$866/mo
Today · 4.125%
HK$29,125
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,250/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,489
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,307
−HK$829/mo
Today · 4.125%
HK$32,136
baseline
▲ 0.50% · 4.625%
HK$33,830
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,272/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,887
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$33,910
−HK$1,040/mo
Today · 4.125%
HK$34,950
baseline
▲ 0.50% · 4.625%
HK$37,076
+HK$2,126/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,900/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,587
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,568
−HK$996/mo
Today · 4.125%
HK$38,564
baseline
▲ 0.50% · 4.625%
HK$40,596
+HK$2,032/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,128/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,369
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,562
−HK$1,213/mo
Today · 4.125%
HK$40,775
baseline
▲ 0.50% · 4.625%
HK$43,256
+HK$2,481/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$81,550/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,685
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,829
−HK$1,162/mo
Today · 4.125%
HK$44,991
baseline
▲ 0.50% · 4.625%
HK$47,362
+HK$2,371/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$89,982/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,331
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,866
−HK$1,559/mo
Today · 4.125%
HK$52,425
baseline
▲ 0.50% · 4.625%
HK$55,614
+HK$3,189/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,850/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,880
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,352
−HK$1,493/mo
Today · 4.125%
HK$57,845
baseline
▲ 0.50% · 4.625%
HK$60,894
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,690/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,709 · Scale 2, in force from 26 Feb 2026)