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$27,460
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,314
−HK$868/mo
Today · 4.125%
HK$29,182
baseline
▲ 0.50% · 4.625%
HK$30,957
+HK$1,775/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,364/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,549
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,368
−HK$831/mo
Today · 4.125%
HK$32,199
baseline
▲ 0.50% · 4.625%
HK$33,896
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,398/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,952
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,977
−HK$1,041/mo
Today · 4.125%
HK$35,018
baseline
▲ 0.50% · 4.625%
HK$37,149
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,036/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,658
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,642
−HK$997/mo
Today · 4.125%
HK$38,639
baseline
▲ 0.50% · 4.625%
HK$40,676
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,278/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,444
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,640
−HK$1,214/mo
Today · 4.125%
HK$40,854
baseline
▲ 0.50% · 4.625%
HK$43,340
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,708/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,768
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,915
−HK$1,164/mo
Today · 4.125%
HK$45,079
baseline
▲ 0.50% · 4.625%
HK$47,455
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,158/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,428
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,965
−HK$1,562/mo
Today · 4.125%
HK$52,527
baseline
▲ 0.50% · 4.625%
HK$55,723
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,054/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,988
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,462
−HK$1,497/mo
Today · 4.125%
HK$57,959
baseline
▲ 0.50% · 4.625%
HK$61,014
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,918/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,591 · Scale 2, in force from 26 Feb 2026)