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$27,463
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,317
−HK$868/mo
Today · 4.125%
HK$29,185
baseline
▲ 0.50% · 4.625%
HK$30,961
+HK$1,776/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,370/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,552
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$832/mo
Today · 4.125%
HK$32,203
baseline
▲ 0.50% · 4.625%
HK$33,900
+HK$1,697/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,406/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,955
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$33,980
−HK$1,042/mo
Today · 4.125%
HK$35,022
baseline
▲ 0.50% · 4.625%
HK$37,153
+HK$2,131/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,044/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,662
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,646
−HK$997/mo
Today · 4.125%
HK$38,643
baseline
▲ 0.50% · 4.625%
HK$40,680
+HK$2,037/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,286/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,448
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,644
−HK$1,215/mo
Today · 4.125%
HK$40,859
baseline
▲ 0.50% · 4.625%
HK$43,345
+HK$2,486/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,718/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,773
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,920
−HK$1,164/mo
Today · 4.125%
HK$45,084
baseline
▲ 0.50% · 4.625%
HK$47,460
+HK$2,376/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,168/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,433
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,971
−HK$1,562/mo
Today · 4.125%
HK$52,533
baseline
▲ 0.50% · 4.625%
HK$55,729
+HK$3,196/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$105,066/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,994
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,469
−HK$1,496/mo
Today · 4.125%
HK$57,965
baseline
▲ 0.50% · 4.625%
HK$61,020
+HK$3,055/mo
Deposit HK$1.20M · loan HK$10.84M · min. income ≈ HK$115,930/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,640 · Scale 2, in force from 26 Feb 2026)