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$27,446
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,300
−HK$868/mo
Today · 4.125%
HK$29,168
baseline
▲ 0.50% · 4.625%
HK$30,942
+HK$1,774/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$58,336/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,534
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,353
−HK$831/mo
Today · 4.125%
HK$32,184
baseline
▲ 0.50% · 4.625%
HK$33,880
+HK$1,696/mo
Deposit HK$6.02M · loan HK$6.02M · min. income ≈ HK$64,368/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$451,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,936
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,960
−HK$1,041/mo
Today · 4.125%
HK$35,001
baseline
▲ 0.50% · 4.625%
HK$37,131
+HK$2,130/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$70,002/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,641
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,623
−HK$997/mo
Today · 4.125%
HK$38,620
baseline
▲ 0.50% · 4.625%
HK$40,656
+HK$2,036/mo
Deposit HK$4.81M · loan HK$7.22M · min. income ≈ HK$77,240/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$451,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,425
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$39,620
−HK$1,215/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$43,319
+HK$2,484/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,748
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$43,894
−HK$1,163/mo
Today · 4.125%
HK$45,057
baseline
▲ 0.50% · 4.625%
HK$47,432
+HK$2,375/mo
Deposit HK$3.61M · loan HK$8.43M · min. income ≈ HK$90,114/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$451,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,404
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,940
−HK$1,562/mo
Today · 4.125%
HK$52,502
baseline
▲ 0.50% · 4.625%
HK$55,696
+HK$3,194/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$105,004/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,961
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,435
−HK$1,495/mo
Today · 4.125%
HK$57,930
baseline
▲ 0.50% · 4.625%
HK$60,984
+HK$3,054/mo
Deposit HK$1.20M · loan HK$10.83M · min. income ≈ HK$115,860/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$451,372 · Scale 2, in force from 26 Feb 2026)