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$27,479
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,334
−HK$868/mo
Today · 4.125%
HK$29,202
baseline
▲ 0.50% · 4.625%
HK$30,979
+HK$1,777/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$58,404/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,570
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,390
−HK$832/mo
Today · 4.125%
HK$32,222
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,698/mo
Deposit HK$6.03M · loan HK$6.03M · min. income ≈ HK$64,444/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$451,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,975
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$1,042/mo
Today · 4.125%
HK$35,042
baseline
▲ 0.50% · 4.625%
HK$37,175
+HK$2,133/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$70,084/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,684
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,668
−HK$998/mo
Today · 4.125%
HK$38,666
baseline
▲ 0.50% · 4.625%
HK$40,704
+HK$2,038/mo
Deposit HK$4.82M · loan HK$7.23M · min. income ≈ HK$77,332/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,470
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,667
−HK$1,216/mo
Today · 4.125%
HK$40,883
baseline
▲ 0.50% · 4.625%
HK$43,370
+HK$2,487/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$81,766/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,798
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,946
−HK$1,164/mo
Today · 4.125%
HK$45,110
baseline
▲ 0.50% · 4.625%
HK$47,488
+HK$2,378/mo
Deposit HK$3.62M · loan HK$8.44M · min. income ≈ HK$90,220/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$451,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,462
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,000
−HK$1,564/mo
Today · 4.125%
HK$52,564
baseline
▲ 0.50% · 4.625%
HK$55,762
+HK$3,198/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$105,128/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,026
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,502
−HK$1,497/mo
Today · 4.125%
HK$57,999
baseline
▲ 0.50% · 4.625%
HK$61,056
+HK$3,057/mo
Deposit HK$1.21M · loan HK$10.85M · min. income ≈ HK$115,998/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,904 · Scale 2, in force from 26 Feb 2026)