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$27,409
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,262
−HK$866/mo
Today · 4.125%
HK$29,128
baseline
▲ 0.50% · 4.625%
HK$30,900
+HK$1,772/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$58,256/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,492
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,310
−HK$830/mo
Today · 4.125%
HK$32,140
baseline
▲ 0.50% · 4.625%
HK$33,834
+HK$1,694/mo
Deposit HK$6.01M · loan HK$6.01M · min. income ≈ HK$64,280/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$450,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,891
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$33,914
−HK$1,039/mo
Today · 4.125%
HK$34,953
baseline
▲ 0.50% · 4.625%
HK$37,080
+HK$2,127/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$69,906/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,591
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$37,572
−HK$996/mo
Today · 4.125%
HK$38,568
baseline
▲ 0.50% · 4.625%
HK$40,601
+HK$2,033/mo
Deposit HK$4.81M · loan HK$7.21M · min. income ≈ HK$77,136/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$450,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,373
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,566
−HK$1,213/mo
Today · 4.125%
HK$40,779
baseline
▲ 0.50% · 4.625%
HK$43,260
+HK$2,481/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$81,558/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,689
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,834
−HK$1,162/mo
Today · 4.125%
HK$44,996
baseline
▲ 0.50% · 4.625%
HK$47,367
+HK$2,371/mo
Deposit HK$3.61M · loan HK$8.41M · min. income ≈ HK$89,992/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$450,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,336
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,871
−HK$1,559/mo
Today · 4.125%
HK$52,430
baseline
▲ 0.50% · 4.625%
HK$55,620
+HK$3,190/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$104,860/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,886
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,358
−HK$1,494/mo
Today · 4.125%
HK$57,852
baseline
▲ 0.50% · 4.625%
HK$60,901
+HK$3,049/mo
Deposit HK$1.20M · loan HK$10.82M · min. income ≈ HK$115,704/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$450,758 · Scale 2, in force from 26 Feb 2026)